Originally Posted by Guest

We lost our insurance. Our policy didn't meet ACA standards. Silly us, we didn't buy prenatal coverage. Thought I could do without at 58.

Our new policies were nearly the same cost, but with a $12,000 deductible, and no pharmacy coverage. None. We knew, from a common sense standpoint, the premiums were too low to be sustained.

Sure enough, in 2015, Minnesota premiums skyrocketed: <snip>Blue Cross and Blue Shield of Minnesota, for example, wants to raise rates an average of 54 percent on nine plans. <snip>

Source:

We had Blue Cross.

Luckily, we were only in Minnesota for four months of 2015. We are now happily in Florida, where our premiums are lower, deductible is lower and we actually have drug coverage.

Originally Posted by Guest

OK, I read the entire article. It is pretty thin on facts. The author assumed facts about two of the couples, and entered info into a Kaiser site. The author finds cheaper premiums for both.

What the author doesn't cover is deductibles. The deductible on many ACA policies is huge. My coverage, back in MN, had a $12,000.00 deductible.

That means the first TWELVE THOUSAND dollars comes out of my pocket.

Good coverage if you get hit by a bus.