ACA-Not going through Exchanges [View all]
My middle child is still in law school and just turned 26 a couple of months ago. She had been on my policy at my firm and we started looking for coverage. In addition, my youngest child is on my policy but now I am paying $590 a month for family coverage for one dependent. One of my friends from my congregation's men service club is an insurance agent and h e found a policy for my daughters. He found some policies from blue cross and we applied only to have both kids turned down due to pre-existing health issues (this did not matter for the youngest child and the middle child is getting on the law school policy). Today, he sent me a link through his firm for a Blue Cross Silver PPO plan that is at a good rate. I can cover both daughters for less than I am paying for one. This is an exchange type policy that is silver level for the exchanges. The rates for this policy is $10 higher per month than the rate quoted for the non-ACA policy.
Anyone who is going through the exchanges can also talk to insurance agents. I do not feel bad about not going through the exchange given that I am getting an exchange qualified plan that is under the ACA
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