Readers share their Affordable Care Act experiences
Have you signed up for health insurance coverage through the Affordable Care Act’s online marketplace?
Did you seek assistance on the phone or at a local event? Did you have any difficulties signing up? Are you satisfied with the level and cost of your coverage?
Share your experience with us by sending an email to email@example.com. Please include your full name and what town you live in. We’ll publish the responses on this page.
Here are some of the responses we've received so far:
Prior to the ACA my insurance plan was the Illinois high risk pool ICHIP, the insurance of last resort for the otherwise uninsurable. My plan there was the highest deductible ($5200) and cheapest I could get. It paid for nothing until that deductible was met annually. I probably have not spent that much on healthcare my entire adult life, let alone in a single year, so my insurance never paid a cent toward my healthcare.
In December I visited the healthcare.gov website and chose a silver level plan with a deductible of $1500 annually and several other features that exceeded any coverage under my current plan because of the never met high deductible. Within 24 hours I received a welcome e-mail from my new plan. I paid my first premium on line and received my insurance card soon thereafter. I was covered effective January 1, 2014 as planned...no trouble at all.
The unsubsidized monthly premium for the new plan was already $170 lower than the premium I was paying for the high deductible plan. Figuring in the tax credit subsidy, my new TOTAL ANNUAL premium cost for the entire year is only $70 more than what I was paying EVERY MONTH for the old policy. I am a very happy user of the ACA marketplace at healthcare.gov.
— Douglas Mayol
My wife worked 15 years for a local hospital and her job was outsourced November 2013. I am self-employed and we lost our insurance at the end of November. COBRA is very expensive and we risked going without insurance December 2013. In the meantime, we went to the Obamacare website and followed the instructions and had insurance premiums paid by Jan. 1. On Jan. 27, my wife had to have emergency surgery. She was acute and the insurance paid for surgery. Then it was cancer. She had another life-extending surgery March 14. We are in recovery at home now waiting for chemo in three weeks. Without insurance, we would have been ruined and never could have paid the inflated bill they give to private payers. If it can happen to us, it can happen to you. We feel very fortunate to have had this program available at our time of need. Get covered.
— Lloyd Turner, Cisco
I am writing in support of the Affordable Care Act. I had an insurance policy with a high deductible that was becoming increasingly difficult to afford. Several months ago I applied for assistance through healthcare.gov. and found out I qualified for Medicaid.
As a result, I have been able to put away money for my retirement instead of using it to pay my insurance premiums.
I would encourage anyone who is having trouble affording health insurance to check out their options. The process may take some time, but it is well worth it.
— Gary Naglich, Worden