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

[Yo_Mama]

135. Well, it is a 70/30 actuarial split, and yes you have to pay the deductible before insurance pays

The example couple I gave, who are in their 50s, could buy a pretty similar insurance policy in 2013 for less than $500 a month. Yes, it's has a similar deductible, slightly higher, but instead of paying more than $1,700 a month they would have to pay less than $500 a month. The difference more than funds the entire deductible.

For a lower deductible than the ACA policy, they would pay about $940 a month - a lot less than the over $1,700. That policy also has vision, which the ACA does not. Of course the ACA policy has maternity coverage, which would be of little use to this couple.

The bottom line is that some middle income people, until they figure out how to work the system (and believe me, they will), are going to lose their insurance. The screaming lack of compassion demonstrated on this thread over this issue suggests to me that no attempt to rework the law to offer them any options is in the offing.

Yes, ACA WILL help many. It is also going to inflict real damage on many. There are an awful lot of older couples out there like this. At this point we'd better get the exchanges working well to limit the damage.

I can tell you that the banks are crapping their britches right now, because they are expecting rising consumer defaults due to this law among borrowers who they considered "safe".