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I am male, early thirties, married with children. We have a high-end ACA-compliant plan purchased directly from Florida Blue. At almost $1600/month, it's really

I am male, early thirties, married with children. We have a high-end ACA-compliant plan purchased directly from Florida Blue. At almost $1600/month, it's really freakin' expensive. But we have various health issues between us that make us uninsurable for any reasonable amount via individual plans, and that also mean we use a lot of health care. Prior to ACA, we had my wife and kids on a COBRA plan out of Maryland from when we lived there (God bless Maryland for making COBRA last as long as you want, and making it last even when you leave the state) and me on a separate individual policy. Together they were about as expensive as our current plan, and they had higher deductibles/OOP max and poorer coverage. Still grateful for the Maryland coverage, though, as I would have had to have a normal job once we moved to FL otherwise.

colinbartlett 11y ago
This is very interesting to me. It was my understanding that the rates were no longer jacked up, even if you had "various health issues". This is called Medical Underwriting and I thought it was forbidden by the ACA. It could be a state-by-state issue. Perhaps Florida is different? When you applied for insurance, did they acquire your medical history? 1. http://kff.org/health-reform/perspective/how-buying-insurance-will-change-under-obamacare/ http://kff.org/health-reform/perspective/how-buying-insuranc... 2. http://blog.rmhp.org/2013/12/sticker-shock-obamacare-and-the-death-of-medical-underwriting/ http://blog.rmhp.org/2013/12/sticker-shock-obamacare-and-the...
- midnightmonster 11y ago
  I implied a slightly scrambled chronology. To clarify, we kept the expensive COBRA coverage from my wife's old job in MD, because prior to ACA there were no good individual insurance options for her and the kids. Now, with ACA, we have an individual plan purchased from Florida Blue. It is very expensive, but not much more so than the two separate plans we had, and the better coverage, less confusion from the insurance being out of state, and having everyone on the same deductible and OOP max make it worthwhile.

colinbartlett 11y ago

This is very interesting to me. It was my understanding that the rates were no longer jacked up, even if you had "various health issues". This is called Medical Underwriting and I thought it was forbidden by the ACA. It could be a state-by-state issue. Perhaps Florida is different? When you applied for insurance, did they acquire your medical history? 1. http://kff.org/health-reform/perspective/how-buying-insurance-will-change-under-obamacare/ http://kff.org/health-reform/perspective/how-buying-insuranc... 2. http://blog.rmhp.org/2013/12/sticker-shock-obamacare-and-the-death-of-medical-underwriting/ http://blog.rmhp.org/2013/12/sticker-shock-obamacare-and-the...

midnightmonster 11y ago
I implied a slightly scrambled chronology. To clarify, we kept the expensive COBRA coverage from my wife's old job in MD, because prior to ACA there were no good individual insurance options for her and the kids. Now, with ACA, we have an individual plan purchased from Florida Blue. It is very expensive, but not much more so than the two separate plans we had, and the better coverage, less confusion from the insurance being out of state, and having everyone on the same deductible and OOP max make it worthwhile.