Yes, the obamacare premiums are expensive, and the deductibles and out-of-pocket maximums can be very high. However, if you are finding it difficult to find caregivers (presumably in-network) then you may have selected the wrong plan, and there are about 40 plans in Sumter County through Florida Blue. The plan I have pretty much allows me to go anywhere and see anyone. The price difference from the most restrictive plan was actually pretty small. With open season upon us, you may wish to rethink your choice in plans if your network is too restrictive.

If you like your doctor you can keep them...heard this somewhere....

Anything the govern takes over they will screw it up. Unaffordable Care Act.

"From what I understand, the proposed replacement DOES include those."

What "proposed replacement plan?" Could you please provide some type of proof, that any replacement plan even exists? So far, as everyone knows, no one has been able to provide a single detail on any proposed bill, law or regulations to replace the ACA. For those who may not know, an Executive Order regarding pre-existing conditions is absolutely worthless, from a legal standpoint.

unlike the insurance plans where providers change frequently forcing one to change doctors.

health care is a mess. the mandate was necessary to have healthy people buy into it so the rates would go down. it's the way the Federal Govt. health care works. I can change my health plan once a year to any of those offered without regard to pre-existing conditions because the pool of people is large enough for the healthier to offset the sicker.

I am not saying you can't cherry pick an example of someone having to change doctors, but I personally haven't seen it. I have had the same PCP for the last five years (two different insurance plans) in The Villages and had the same PCP for 10 years (3 different insurance plans) prior to moving to The Villages. Regarding non-PCP doctors, I haven't seen an issue there either. I doubt that I am unique in this regard.

“ If insurance companies are awarded the unconscionable power to deny coverage for pre-existing conditions,”

Yes, how could the unconscionable Insurance CO’s not allow you to buy insurance after you are sick. We could do that for cars also — let’s wait to buy insurance after we have an accident!

The ONLY way to allow pre-existing is to also require mandatory universal coverage — you can’t have it both ways. Think about it!

. . .

Yep. I tried to buy insurance on my house while the fire department was on the way. Darn company wouldn't accept me. DOWN WITH PRE-EXISTING!

You are right. It was '10. After the affordable care act was passed my insurance became unaffordable. Those big, bad insurance companies.

Lots of people didn't notice any difference because they had employee coverage. I have always had to pay for my own.

I’m curious, who on this forum actually utilizes the ACA and can first-hand attest to their premium increase/decrease?

For me, the premium I pay due to ACA is significantly lower. I’m not old enough to for Medicare.

Are Medicare recipients ACA eligible?

Just to add, I have a great PPO FloridaBlue That I’ve used all over the country with any doctor I choose with a private room for hospitalizations and a low deductible. I have pre-existing conditions and I could not be happier with the ACA. It’s literally saved me financially.

It cannot be denied.

Pre-existing conditions are under siege.

I cannot believe that there are those who actually believe everything they hear — when they limit their sources to only what they want to hear.

Be careful what you wish for. Be careful what you fall for.

A new plan? Really?

Please ask yourself if you think there could be any possibility that whatever this plan is could give insurance companies the right to rate those who have pre-existing conditions and then cost-gouge them.

Pre-existing conditions are under siege.

Boomer Revere

Yes,

What replacement plan ?

For over 3 years, we have been told it is "just around the corner ", "next week", "soon".

Years ago when I was a smoker, my private insurance charged me a "fee" for being a smoker. When I quit smoking, that "fee" went away.

Except that the ACA is on the Scotus chopping block for the week following the election. The case has been brought on by the current party in power. Don’t be fooled.

Gracie, you know that I'm a big fan of yours, but, on this issue, Healthcare for some, thru no fault of their own, is beyond their means and should be free. As the poster mentioned, this virus, is and has many pre-existing conditions, on top of that, Americans have been financially crippled. Having the ACA being ripped away from these families at this time, is unconscionable. No one should be turned away, no one!