Civitas's: Your Obamacare Stories - Part III | Eastern North Carolina Now

        Publisher's note: This post, by the Civitas Staff, was originally published in the Healthcare section(s) of Civitas's online edition.

    The first volume of this series is published here. The second volume of this series is published here.


Insurance Premium for Healthy Family Doubled...


    "My monthly insurance premium has doubled. We are a healthy family, relatively young, no history of health problems.

    This summer I sent a letter to Senator Kay Hagan asking whether she still supported the Affordable Care Act, even though my premiums doubled, and her response was a form letter touting the benefits of the Affordable Care Act, such as how it would lower health care costs for millions."

Insurance Premium to Increase 96 Percent...


    "My premium is estimated to increase 96.1% (BCBS of NC) when my contract expires next summer.

    I went to the healthcare.gov website, and after a lengthy delay, was allowed to set up an account. When everything was done, I got a "Success- your account has now been established" message. However, when I clicked the "NEXT" button to see what programs would be available, I got an "ACCESS DENIED" message stating that I was not authorized to view the site."

Losing Current Plan "Due to ACA Regulations" ... Insurance Premium to Rise by 600 Percent ... with Higher Deductible


    "I am on medicare but my wife still needs insurance so we purchased a high deductible plan to cover catastropic illness through BCBS of NC for just over$100 per month. At the end of Sept we received a letter indicating they were canceling my wife's plan and the most similar ACA plan would increase the monthly cost by just under 600%.

    I called a BCBS local agent and was told that this new plan had higher deductibles but we were now covered for maternity care. Thanks Kay just what we need.

    He suggested we find a non-ACA plan and pay the fine if we wanted to save money on the premium. So her insurance went from about $1,200 per year to over $7,000 and if she gets sick, we have to pay even more than before out of pocket.

    Luckily, she has never once used her health insurance, so we probably won't have to pay the deductible."

Losing Current Plan "Due to ACA Regulations" ... Premiums to Spike 267 Percent .... with Higher Deductible


    "My daughter just received a letter from her health insurance provider, Blue Cross/Blue Shield of NC, of a premium increase. They notified her they could no longer keep her and her family in their program "because of the Affordable Care Act".

    They currently pay $298 per month with a $15,000 deductible plus a copay (least expensive). As of January 1, 2014 their premium will be $1,095 per month and their deductible will be $20,000 with a $20 copay, which BC/BS says is the closest they can get to their original plan! The deductible is PER PERSON! This premium is more than their mortgage!

    My daughter and her family are already in bankruptcy. She makes $9 per hour at a parttime job. It would take more than her entire annual gross salary to pay for this! They are both in their mid 50′s and live paycheck to paycheck.

    Where is this "if you like your insurance you can keep it"?

    Per the advertisements, they should probably qualify for a subsidy. However, her husband's company does offer insurance, but that cost is prohibitive as well and they would lose their home if forced to take that insurance. They don't want to be on the government dole any more than most folks. ENOUGH!"

Premium Increase of 120 Percent ... with Higher Deductible


    "I've had health insurance thru BCBS as an individual policy for 10 years. The current policy is a 70/30 payment scheme with a $3000 deductable. My current premium is $327.19 per month. The ACA policy is a 70/30 payment scheme with a $3500 deductable with a premium of $722.15 per month. I'm still attempting to determine how the word affordable is applicable."

Young Male To See Premiums Balloon By 480 Percent ...


    "My nc blue cross blue shield went from $44/month to $255/month as a single, male, Asian 30 year old! Is there anything I can do!?"

Senior on Medicare Advantage to See 1,000 Percent Premium Increase .... with No Increase in Benefits


    "Let's not forget about the burden Obamacare is placing on seniors, who are not even eligible for it. Because of the $750 billion dollars Mr. Obama has taken out of Medicare Advantage, my premium will go up from $6 per month to $61 per month. I believe that's about 1000% increase - with no increase in benefits and the same high co-pays and a cap on out of pocket expenses of $6700. And we haven't heard yet what the increase in the Medicare Part B payment will be but it is rumored to be approximately 16%. Seniors are being hurt tremendously by this abomination."

    Click here to see the insurance report Obamacare Rate Increase Letter

Retiree Losing Employer Coverage .... New Plan Would Cost $7,400 More per Year


    "I am retired and on Medicare, the Company that I retired from was providing money to purchase supplementary insurance but has dropped that coverage as of 12-31-13. This will cost us an additional $7,400.00 a year. However my Prescription coverage decreased from $61.00 to $41.00 per month, don't know how that happened!

    My wife is not on Medicare, we are waiting to hear from NCBC/BS on how much her premium will be going up. May have to go back to work to make up the difference."

Retiree Losing Employer Coverage ....


    "I took early retirement from IBM in 1991. Throughout the intervening years I've enrolled, annualy, in the medical benefits offerred by IBM from a limited variety of medical insurance providers, United Healthcare, Cigna and currently, an Aetna Medicare Advantage plan. This month IBM retrees like myself received notice that IBM would discontinue offering coverage theough these providers in 2015.

    There was no mention of the Affordable care Act in this notice. Only that we could keep our present coverage through 2015 or choose to select from a plan offerred through a company called Extend Health which acts like an insurance exchange offering a variety of individual plans from a variety of Insurers. That selection process is irreversible and, if elected, would be subsidized by IBM to an amount recently specified.

    I don't yet know what the fallout of this process will be, whether beneficial or detrimental with respect to coverage and cost but the timing leaves little doubt that, in my opinion, IBM is reacting to the implementation of Obamacare to protect themselves from as much of the negative financial impact as their considerable team of policy analysers have determined will result. IBM asserts that they are not taking this action to reduce their current level of financial support for providing medical benefits to retirees. But this begs the question of what it will cost their retirees to acquire equivalent coverage through the Extend Health exchange.

    My situation is simple. I'm a widower with no dependents. What I'll decide for 2014 coverage.

New Business Plans on Hold Due to Healthcare Uncertainty ....


    "I have been engaged in a business start up for the past five years. When it was first ready for introduction and capitalization, the crash of 2008 stopped its progress. That period discouraged investors from any involvement until the dust settled and the future became more clear.

    Now, encouraged to re-initiate the start up, I can not get firm quotes form insurance commercial carriers for staff hospitalization coverage. These benefits are important in the projections and crucial in attracting good people.

    The project has been held up by two delaying factors:

  1. UNC Hospitals' unwillingness to sign a purchase agreement - six months

  2. Inability to obtain firm quotes from insurance carriers - four months

    The whole business sector is probably curtailed from making progress in this insecure environment. If someone wanted to delay American business or crush it, they could not be a better job than is being done by this earthquake change(ACA) or example of leadership designed to fail. This is the latest debacle on the way to the CON hurdle."

Employer Forced to Drop Coverage, New Premiums Would be $4,000/yr More....


    "In late spring 2013 I was notified by my boss, the owner of a small family plumbing company, that he might have to drop our company insurance at the end of the year. October 1st would be the first day for me to take a look at my options. I make an average salary; in fact with what I was paying now I could hardly get by, juggling who gets paid and who waits and who we have to pay to get it turned back on. Much to my surprise, I learned that affordable health care was going to cost me around $4,000 more a year!"

Losing Current Plan "Due to ACA Regulations" ... Premiums Would More Than Double


    "Our BCBSNC premiums went from $488/mth to $1100 due to the ACA as stated by the letter we got. We were not grandfathered into our current plan we chose and worked for us because we made a change to that plan after 3/23/10 when Obama signed the law. One of those things you had to pass the law to know what was in it. We are being punished for the same plan others are paying much less for. 110% increase for NOTHING. This is unsustainable for my husband and I. We are 2 healthy retirees who do everything to stay healthy and we are now over-insured and don't have a plan we want or need. I don't care what John Roberts said, it's a penalty and for us, unsustainable. This is year #1. I can't imagine how much it will go up in year #2 and so on. Exempt America."

Father and Son Losing Current Plan "Due to ACA Regulations" ... Premiums to Increase $2,100/yr


    "My husband and son both have policies with BCBSNC. As of January, those policies will no longer exist, so they're being "transitioned" to new policies - at a cost of $175 EXTRA per month."

Losing Current Plan ... Premiums to Increase by 110 Percent ... with a Higher Deductible


    "My health care went from $120 a month to $251 a month. I am a 37yr old MALE with no health problems, non-tobacco user and I am being forced off of my current plan to a plan with a higher deductible. I am also being forced to purchase a healthcare plan that includes maternity insurance. Maybe Obama knows something I don't, but I don't plan on getting pregnant any time soon."

Losing Current Plan "due To Aca Regulations"...premium Increase Of 148 Percent.....higher Deductible


    "I am 62. I was laid off from a great hi-tech job a year ago, thanks to poor sales from the Obama economy and the impending ObamaCare. I could not find a replacement job of any kind, so I have retired on Social Security.

    For 2013 I've had an individual plan with BCBSNC (Blue Advantage Saver 2) for $248/mo and with a $3500 deductible. It's no longer available after 2013, so I guess Obama's promise about "If you like your plan, you can keep it" was just a lie. Last month BCBSNC offered me a "Blue Advantage Bronze 5000″ plan for $616/mo and with a $5000 deductible. Spending $616 per month for a $5000 deductible with all kinds of "benefits" that I CANNOT USE would be unaffordable and stupid, so I will be going without health insurance for the first time since I started working in 1975. If I get hit by a bus, I guess I will pull money from current income and retirement savings and get it paid off eventually.

    I opened an account at healthcare.gov over a month ago, but I do NOT plan to take that process any further. (Which is just as well, because I STILL cannot get into the system.) I have learned that they demand all sorts of personal information before we can see options and costs for NC residents. After the serious scandals at the IRS and NSA, including lying by Obama and his administration folks to hide their true intents and actions, I have NO confidence that my personal information would not be ABUSED by those weasels.

    So, for 2014 I will be paying the fine / penalty / fee / tax / whatevah. I am hopeful that every stinkin' Democrat who voted for this CRAP is removed from office. That means YOU, KAY HAGAN. GET GONE, WOMAN! Ordinary Americans do not deserve this treatment, but Democrats - especially Obama - really do not care about us.

Premium to Increase a Whopping 300 Percent...


    "My wife and I have purchased our own health insurance for years. Last year, I was forced onto medicare when I turned 65. My wife, who is younger, stayed with BC/BS. Last week we received notice that her premium was increasing by 300% due to obamacare!. I wrote a letter to the editor of our Greensboro paper thanking our President and Senator Hagan for this fiasco. They have already bankrupted medicare and social security, so why not give them total control of all our healthcare? They both are obviously so well qualified. Thank you for taking time to listen."

Adjunct Professor Sees Hours Cut Due To Obamacare...


    "My wife is an adjunct professor at a small college in NY. She teaches online under and graduate courses. All of her money goes to support our daughter and grandchildren, keeping them off public assistance. The school is going to restrict her to 2 classes/sem because that is the cutoff for part time work. She usually teaches 3-4."

Losing Current Plan "Due to ACA Regulations" ... Premiums to Increase by $7,000/yr


    "I have only gotten as far as creating an account & getting to the link for estimating my cost under the ACA. My current plan which the ACA eliminates cost my wife & I $465.00 with a $10,000.00 deductible. Total for the year, $5,580.00, maximum out of pocket 15580. This is not an employer plan that I was thrown off of. This plan is eliminated by the ACA, I have no choice but to give it up! I do not get to keep my current Health Insurance Plan if I like it! Obama LIED!

    So far the least expensive plan according to the health.gov site link to the estimator page is going to cost us a minimum of $12,495.00 with a 12,000.00 deductible! I do not qualify for a subsidy. Minimum I would pay out of pocket $25,195.00 if we were in a accident or both hospitalized!

    The ACA is not affordable! You do not have choice under the ACA! I have had Health Insurance for 43 years and as of the first of the year I will no longer have insurance, can't afford it."

    Click here to see the insurance report Obamacare Rate Increase Letter

Premium Increase by $300/mo .... Will Drop Coverage Because It's No Longer Affordable


    "Got my new BCBS of FL health insurance rates yesterday. Last year I paid $370/mo. for single coverage. This year it is $670/mo. for less coverage. Can't afford that, so I guess I will have to go without."

Premiums More Than Doubled .... to Increase by $4,320/yr


    "I have a plan with BCBS, with a premium of $309.00 per month. Upon opening my rate letter from BCBS yesterday (October 9) I found that I must now pay (as of January 1) a premium of $670.00 per month. Why? I anticipate a moderate premium increase each year but to MORE THAN DOUBLE it? By the way, that's just MY premium. It does not include my wife's health insurance premium."

Potential Health Exchange User Frustrated by Online "Glitches" ...


    "Every day, it's the same story. TRY, TRY, TRY to log-on to get information including a quote, BUT, NOTHING! Busy, check later or off-line. Great system."

New Exchange Premiums Would Take Nearly Half of my Income...


    In looking at the exchange here in N.C., I find my health insurance premium will take 44 percent of my annual net income. In the past two years, I have had to become a caregiver for my parents, meaning I find freelance work as best I can. I have gone through my savings and most of my retirement. Now, I have med bills of upwards of $20,000. This caregiver forgot herself, you might say. So now, Obamacare wants half of my little income. I own a house and therefore qualify for no breaks. My local hospital considers it part of my income. I'm ready to move abroad.

Premium to Skyrocket by More Than 400 Percent...


    I currently pay $47 a month for an individual policy. That amount jumps to $238 in January.

Premium Hike of a Stunning 592 Percent ... Considering Dropping Coverage Due to Nearly $6,700 Annual Premium Increase


    I lost my job in 2010. Could not find full time employment (I'm sure it was due to my age, 61). For a year and a half I had no insurance. At age 62 I was forced to file for early Social Security. At that time I found part time employment but, of course, was not offered benefits. I purchased a Blue Advantage Bronze 5500 insurance plan from BCBSNC for $94.00 per month. I received a letter on September 24 stating that beginning Jan. 1 my new premium would be $651.48. Affordable Health Care??? Are you kidding me? I just may opt to pay the penalty. I am a healthy 63 year old woman and have only used my insurance for wellness visits. This is just not acceptable.

poll#47
After nearly two months since the incredibly inauspicious roll-out of the ObamaCare website: What should the Democrats do to correct their mess?
6.45%   Democrats should continue to revamp the current site.
7.26%   Scuttle it and rebuild it.
86.29%   Scrap the site and scrap ObamaCare
124 total vote(s)     Voting has Ended!

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