My state voted out of the exchange however people can receive subsides to help with preniums. My husband and I do not qualify for help with premiums.
I will share our story.
We are business owners and real estate owners. So according to our "tax return" we make too much for help even though it's not in cash flow. I'm sure most of you understand what I'm saying.... Anyway we had private insurance BCBS of alabama for over 17 years. Part of those years were with a group plan privately that included our employees. Long story short, we don't own any businesses with employees so group plan was given up and back to individual plan.
Our plan was 530.00 a month, co pays, etc. good plan. It was cancelled and replaced with an ACA law mandated policy at the price of 1013.00 per month. We can't cash flow that, so we went with the ACA Bronze plan. It's 700.00 a month with a 12,700.00 family deductible before it ever starts paying.
Absolutely no one in our life gives a crap. I've told them this info and because it doesn't effect them... So what. Well, I hear that in 2015 all policies... Yes even employee group plans are going to be under the law. And everyone will be effected then. Maybe they'll wake up.
Not many are awake as to the reality of this law upon our country very soon, economically... When people can't belly up to a bar and watch a football game... Maybe they'll wake up then.when they can't afford their direct tv because they have premiums and deductibles, maybe they'll wake up.