“ I’ve been self employed and buying my own insurance for the last 25 years. I jumped onto Obamacare as soon as it was available.

I kept my old doctor. I kept my old pharmacy. And I paid a whole lot less for the insurance.

And my cost for that insurance premium has fallen as I’ve gotten older. Until now. I turn 65 next year and will pay more for Medicare than I have been paying the last 3 or 4 years on Obamacare.”

Sure, as I wrote upthread, for some people it was cheaper - if you got subsidies - for some it was more.

I’m self employed and have been buying my own insurance the last 17 years, since Mrs.C decided to stay home with the kiddos. We did not get significant subsidies until 2020 (no work) and then since due to the subsidy cliff being removed with the enhanced subsidies in 2021.

Our premiums and deductibles have increased *a lot*. We did have to change doctors. Our insurance has a very narrow network. One provider we use is not in network so we pay out of pocket. No alternative.

We’d still rather have the guaranteed coverage of the ACA over the old “system”. I don’t think 8.5% of AGI is unreasonable, which is what we currently pay with the enhanced subsidies. They go away and we’re looking at over $40k for a Bronze plan with $9,200 deductible per person. Unless I finally pull the plug and retire early…looking tempting.

US Policy FAQ

---

Contact Shrewd'm
Contact the developer of these message boards.