ACA insurance for 2018

Thank you for getting this info out, rainnyc! DH and I don't use ACA, but many here do.

Thanks for the info, Rainny. I am in the same boat. I guess we will be covered for 2018. 65 can't come soon enough for me.

I don't have ACA, but our insurance is going up nearly $300.00 each month next year. It has consistently gone up at least $250.00 per month every year since we got it. My husband and I are 10 years away from Medicare. Don't know how we are going to do this. It's crazy stupid.

Nancy

yes we are buying our own insurance. I fear it's only going to get worse. I can't lose any of my current doctors as they watch me like a hawk lol.

Nancy

FWIW We are able to purchase “group” insurance through our LLC, with my husband and I being the only members. It is ridiculously expensive, but at least we can get it. We just received notice that they are cancelling our current plan. BCBS is the only insurer available in Oklahoma. Disconcerting to say the least.

I know I am probably in the minority, however in my opinion the ACA needs to go away. My son had a perfectly affordable health insurance that provided all the coverage needed to keep him protected and well. Then we were "required" to be a part of the ACA and his premiums sky rocketed every single year. Plus he no longer has the preventative coverage he once had due to the cost. He is stuck with a catastrophic plan that still cost twice as much as his regular health plan before ACA.

He lives at home to save money and in order to receive any financial aid at all we have to disclose all of the household salaries which puts him over the limit for any aid. Needless to say, I am having to pay for his coverage and know that this approach to decent, preventative coverage for everyone has to go away and be replaced with something that actually works equally for all.

Republicans have had 7 years to figure out how to "fix" the ACA. They now have control of all branches of government and still can't do it. Only real solution, IMO, is Medicare for all. DH and I are not on ACA, but our BC/BS premiums have gone up quite a bit. We don't mind paying if it means more people can have insurance. Of course, we can afford it, so easy for me to say, I guess.

Does anybody know when the marketplace plans will be posted for 2018? I have a friend whose son wants to apply. He was on Obamacare, and the company he was with two years ago Land of Lincoln went out of business in October of 2016, and left him with no insurance. He then got tired of all of the paperwork with Obamacare, and so he decided to not apply for it, and just get insurance on his own, but then he could not afford the payments, and he got dropped when he missed a few payments. He now wants to try to apply for Obamacare again, but he needs some help with the paperwork. He does not have the patience to do it all himself. I told my friend that Evanston Hospital has somebody that will help him apply for Obamacare, but I hope he can still get it, since he has not had insurance for at least 6 months and he has a preexisting condition.

Thanks! If it wasn't for the ACA, I KNOW I would never have gotten my dimple on my breast checked out. I just wouldn't. I would've convinced myself it was cellulite and saved the money it would cost to pay a dr out of pocket.

The ACA is literally saving my life.

That being said, I'm afraid of what my premium increase might be for 2018. I'm hearing 30-50% increases from some of my friends

Tell your friend's son to go to healthsherpa.com

That's how I signed up for the ACA last year, and it was super easy.

Many ACA plans have gone off the marketplace for 2018 where I live. I was just looking at some of the remaining non-HMO plans. There's Cigna and there are two very expensive CareFirst plans (>$1K/month). It's puzzling to me.... they ALL say that Herceptin and Perjeta - FDA approved, "standard of care" drugs for HER2+ disease - are not covered. Surely this must be an error...? I can't imagine that under the terms of the ACA, these drugs could be excluded from coverage. Anyone else found this?

Thanks, rainnyc. Maybe that's it. I also read on another forum about a patient who was denied and forced to go through the appeals process but they ultimately covered the drugs. In the course of doing so, she learned that her insurance company makes all patients who need these drugs go through this burdensome, time consuming and stressful process ... but they ultimately get coverage for the drugs. (I have personally seen this in a number of other situations.) Crazy.