my monthly health care premium goes up 60% January first after ACA implementation

[Yo_Mama]

17. A lot of people are seeing large increases if they don't qualify for subsidies

I know some people are going to pay less, even without the subsidies, but so far I haven't run into any of those.

Two families I know will be uninsured next year - they are not going to go for the catastrophic policies, because they can't meet the deductible - they don't have enough savings. So they are going to take what they would have paid for the insurance premium and save it and then hope to get insurance later when they have the cash fund that will get them access. If you have to buy the catastrophic policy, you really need to have 10K on hand always in a medical fund.

It's a mixed bag, but those who don't even get the subsidies for the premiums are sometimes going to lose insurance entirely. These policies are great for the low-income families and individuals who get the subsidy plus the cost-sharing, but for families who get the subsidy only, they are going to have to save a lot of money to deal with the deductibles. Oddly enough, those who seem most upset are those who are getting the subsidy but freaking about the family deductible.

Also the offerings vary hugely by area - in areas with a lot of older persons I guess the rates are not being implicitly subsidized by the young, and some of those areas are rural with only one or two insurance carriers in the exchange, so that's that. It does seem like premiums are lower in areas with more competition.