Real life Obamacare scenario: I have a friend who was buying her own
insurance policy (for herself and her adult son) on the individual market. She has an Anthem/Blue Cross policy that
offers decent coverage for the two of them with a $250 monthly premium.
She recently received a letter from Anthem notifying her
that the company was required to cancel the policy – because of the Affordable
Care Act! (Right Wing horror story #1) – but they helpfully suggested she take
a comparable “replacement policy” with a monthly premium of $550! (Right Wing
horror story #2). If that were the end
of it, I’d be first in line to agree that this Obamacare thing is a travesty of
economic injustice.
A visit to a qualified “ACA Navigator,” however, working through
coveredca.com, California ’s
Affordable Care Act portal, found this lady a much more generous “Silver plan”
policy ($2000 deductible and $6300 max out-of-pocket per year, $0 preventive
care visits, co-pays in the $15 range and $5 for prescription drugs) that will
cost her $60 per month, thanks to the ACA subsidy. For another $20/month she could move up to a
Gold Plan. The choice is hers.
Make no mistake about it, the Affordable Care Act is going
to help improve the lives of millions of Americans.
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