Here's my ACA rate INCREASE for those who doubt...

[Savannahmann]

58. I understand your point.

Many here ignore it, or miss it but I get it. You are saying you shopped and found a plan that met your needs, your individual need previously. However, now because of all the included mandatory coverage which you had opted out of in the old plan, your costs are going up significantly.

You said you were a single man in your 30's. You had decided previously that mental health was not an issue for you, so you opted out of that coverage. You are a man, and decided that maternity care, OB-GYN care, and screenings for Breast Cancer were not in your medical needs category, and opted out of those. So your cost was pretty low for a narrowly tailored plan to fit your specific needs. Had you needed more of the options, you would have paid more to get them.

Someone here used the car analogy, so I will too. You went to the dealer to get a new car. You decided on the Ford Fiesta, as it met your needs. You just wanted a basic car with nearly no options as you were looking for basic transportation.

Once there, the dealer told you that the base price of the car was $10,000, but once you added in the mandatory options, huge stereo with a half dozen speakers, chrome wheels, low profile tires, tinted windows, cruise control, LED accent lights, ski rack, the seven clear coat paint job, and the safe child 6000 car seat for your non existent toddler, the price was now $16,000. You argue that you didn't want those options, but the dealer informed you that those options were mandatory, the law requires that you have them.

Not a great analogy I admit, but it is what I think you're trying to say.