I finally got it together, coinciding with the federal government getting it together, to sign up for ObamaCare. Unlike a few months ago, when the site wasn’t working and frustration took hold, I actually got it done today, with the help of a broker from Enroll Alaska, about whom I can’t say enough good things. It took about 45 minutes. It was stress free. It worked.
The most surprising thing for me was how relatively affordable the policy was. Where I used to work, the deductible was $2500 and the premiums were about $770 a month. And that was about half of what I would be paying on the private market. The policy I will have now through Premera, thanks to ObamaCare, is about $545 a month, without tax credits or any kind of government help. The deductible is $2000.
If you make less than 400 percent of the poverty level in Alaska– $57,400 a year for a single person or $117,760 for a family of four—you will qualify for subsidies.
To put this in perspective: The state is paying roughly $1400 a month in premiums for every state worker with a deductible anywhere from $300 to $600.
In other words, the policy I signed up for today is $845 less a month than the state pays a month to insure its workers. Let me repeat: $545 month is pure private market money, without any government subsides.
It’s the first time in my life that I’ve ever been able to buy affordable healthcare on the private market. And I’m not alone.
Because of the mess of the ObamaCare roll-out, everything that is claimed to be wrong about the health care system has been saddled on the back of this legislation, and now is being used as political propaganda. The politicians who are making the noise are not subject to the cruelties of the private health insurance market. They have government funded insurance. They have tax payer funded insurance. They are simply unaware of how nearly impossible it was for many to get affordable insurance unless you worked for government or for a big corporation. And they certainly seem unaware of the grinding fear and frustrations, of the millions of stories of bankruptcy and financial ruin, all of which was the experience of the healthcare system for so many.
Sure, there’s probably lots about the healthcare law that needs to be fixed. But as I’ve written before, the more people that have the kind of experience that I had today, the more people are going to wonder why so many politicians are hellbent on getting rid of a policy that has made such an enormous difference in their lives.
The deadline to sign up for insurance to start Jan. 1 is Dec. 23.
Contact Amanda Coyne at email@example.com