I 'thought' I was fortunate in that I have an individual health insurance plan that although $1,200 per month premium it provided 100% coverage no deductible, no lifetime max, etc with just $10 office visit co-pays and $7 Rx co-pay. Now thanks to Obama Care I am losing that plan...it ends 3/31/14 and I received letter yesterday that I MUST purchase a new plan through the Exchange. I glanced at the Exchange website and it did not instill any confidence that I am not really getting screwed here. Really provides little to no details about what you actually get

Seems to me Obama Care 'might be' good for underinsured/uninsured but not me! I am SHOCKED that this is affecting me and I am sure I am not the first/last to learn Obama Care is NOT a good thing for me. Seems there should have at least been a grandfather clause for those of us who have been paying rather than forcing me to now repurchase a new plan without even knowing what will wont be covered.

Take a bettler look at the plans. There are 4 levels and the highest one looks very comprehensive. You can also look at private insurance companies to see what plans they are offering that comply with the ACA. You can also contact an insurance agent for assistance.

All of the plans have out-of-pocket maximums.

Florida rejected Medicaid expansion and the federal funding that comes with it. The coverage for low income residents seems not as good as other states.

I am sorry Steph. I am worried I will be facing the same fate. I am thinking that very few plans will be willing to cover IVIG in the coming years.

so sorry!!!! I used to think maybe obama care would be a good thing with those, like me, with a chronic illness.. I pay SO much each month for my plan, and then have a 10k out of pocket maximum (which I hit the very first month- due to IVIG)... but then i'm covered the rest of the year.. so, its not cheap.. but at least i can get IVIG.. I too am worried, that insurance plans will start going broke, and therefore cracking down on their "expensive"" patients, like IVIG patients and try to deny IVIG... i'm terrified of this, as I don't think I can live without it.. terrifying.. I feel like Obama care will hurt me as a patient, and a tax payer.. all around.. hopefully i'm wrong!

That is exactly my concern...I read more and the plan details are not even all there (yet we are already supposed to choose?) and for those that do have plan details posted they ALL say experimental and investigational not covered and no details on how that is determined or even how decision might be appealed. Another thing appears that now all sorts of exclusions that were NOT things that were exclusions on my plan...home health care - meaning IF I get IVIG approved I will have to go to center for 10 hours for 2 days every three weeks, oh joy! :-)

..as patient who needs IVIG to function even 10-20 hours per week I too am terrified by this development. So the way I see it initially at least it does appear as if a loophole has been created for the insurance companies to get out of paying for these very expensive treatments we receive. I will continue researching though and share my findings as I learn more. Anyone else find out anything please do likewise.

I admit I havent read everything but I spent several hours reading (and Im a lawyer how is average person really expected to understand) and getting more concerned about the future quality of life under this new law.

PS re the plan levels...I only have first three offered...no platinum plans available for me.

I live in florida and you are right, it is awful. I am on medicaid/medicare. Most doctors have stopped taking patients with this kind of insurance. ginnie

ginnie;
Florida is one of states that rejected the Federal Medicaid money.
scrubbs

All plans on the exchanges have a percentage amount for co-insurance. Bronze has 40% cost to insured, Silver has 30% to insured, etc.

40% of some "unknown" amount can be a very HIGH cost to the insured. Just a very short hospital stay could cost thousands and 40% of that can wipe someone out completely.

My plan has NO percentages, just flat dollar amounts so I KNOW what I will pay before I have the service, whether it be an office visit, a CT scan, blood work, surgery, hospitalized, etc. My drugs are also covered.

I can NOT afford even the 10% on a Platinum plan if I have a HIGH expense.

What happens if I get hospitalized and my bill totals $125,000? I don't have the $12,500 for my portion. What if it is a bronze plan? 40% of $125,000?

It is more than comparing premiums or conditions covered.

It would be impossible for me to become pregnant so why pay for maternity coverage? Substance abuse? Dental? I do not need these items. Health care and health insurance should not be one size fits all. Oh, did I mention that the plans of which you speak may not include your doctors or hospitals?

I do not want ANYONE deciding whom I should trust with my life. I want to have MY doctor.