Covered California

[SHRED]

We enrolled the first year the ACA created health exchanges. That was 5 years ago in 2014.
I'm here to tell everyone of my first-hand experience.


The coverage is no where near what it was.
The ACA is a shell of its former self.
High premiums coupled with high deductibles and out of pocket costs.

We treat our Kaiser plan as a catastrophic plan and go to Scripps to pay cash for their 40% discount.
That's what it's come to.

Obamacare is on life support.
Republicans have ruined so much of it for those of us in the individual market.

On edit:

I will add that candidates talk about "expanding" Obamacare yet we aren't even close to the original Obamacare. The baseline for those of us in the exchanges.

[guillaumeb]

1. While the intentions behind the ACA were good,

the US system was, and is, a profit centered system. And in a profit centered system, patients cannot be the first concern.

[SHRED]

2. Yep

They have sunk their capitalist claws deeper into the ACA.

We stopped getting overpayment refund checks also.

[Auggie]

3. Related: There's legislation in the works to increase the subsidy limit in California,

but I have no idea as to its status. With my luck, the same year I qualify for Medicare.

As a freelancer I buy through Covered California as well, starting in 2014, just as you. And just as you, I avoid using my plan -- saving it for catastrophy. Even the cheapest plans are absurdly expensive and with very high deductables.