So I was one of those that got the letter from my private insurance carrier that my current policy would be cancelled because it did not conform to the ACA. This plan was a decent, fairly low cost plan, with office visits covered, a decent prescription plan, but with a high deductible, which I was fine with. Basically the thought was to self-insure to some degree, but have something in case something major happened. Didn't need maternity coverage, since neither my wife nor I need it anymore.
Now its soon to be gone. Even though for years supporters of the ACA said we could keep the insurance we had, apparently that was not totally accurate. Now I am faced with trying to get into the marketplace, but I can't seem to get a straight answer on whether or not we would qualify for a subsidy. All of the information says that, based on our income and family size, we should. But every time I put the info into the various online calculators, it comes back as no subsidy.
Am I worried? You betcha. The lowest ACA-compliant policy I have found so far is much more expensive than what I was paying before. Insurance for everyone is something that I have been a proponent of since it was first brought up, and I don't mind helping other people, but I'm very afraid that this new healthcare policy I will have to fit into will be a budget-buster.
In my circumstances, I don't need the full ACA-compliance, I wish I was able to keep my current policy.