Switching plans means: filling out forms, making calls, spending time on hold. Waiting for your mail to arrive to make sure everything is on track. Following up

Switching plans means: filling out forms, making calls, spending time on hold. Waiting for your mail to arrive to make sure everything is on track. Following up when something goes wrong. First with the insurance companies, then with every medical provider you deal with. If you're healthy and insurance isn't strictly necessary, maybe this isn't so bad. If you're like me, have a pre-existing condition and your well-being actually depends on receiving quality coverage, switching plans is scary. A few years ago I switched plans, and due to a bureaucratic mistake with a pharmacy relating to the transition, I ended up having to pay for a months supply of medication out of pocket, which cost me something like $4000 IIRC. So excuse me if I don't want to switch plans every time I change income brackets. By the way, as someone with a pre-existing condition, I strongly support the ACA. I think it's great. Understandably though, it isn't perfect.