How is Obamacare not a disaster for the Democratic party? (revised)

[chowder66]

45. Hello. To get the plan closest to mine I have to pay more

about $40.00 more, I really was hoping for a lower premium than what I'm paying now (was $524.00, then it dropped just below $500.00 because of healthcare laws and I got a few refund checks, small but appreciated).....BUT I DO have the option to pay less now if I change providers and/or choose a plan that covers a little bit less, more than a little bit less, much less, etc. In other words, the plans are as flexible as I am willing to be and as long as my health is stable. And if something were to happen like losing my job or if I have to take a job that pays less I still have options to get coverage. That is comforting to me.

So yes, there is a slight risk that I could have something terrible go wrong with my health but at least I know I won't go bankrupt with any of the policies I choose. May it cause a little pain to cover $6k if I have to and if I choose that type of plan, sure but my last policy had caps that stressed me out from time to time.

What I love is that I have those options now and while I may go for paying more for the plan that most matches my current one, I"m rethinking it today. I might go with a plan that covers a little less to reduce the cost while I manage some debt I have. Then I may go for the more expensive plan down the road.

I used to be able to change plans during open enrollments... that is... until I lost insurance, got sick and was no longer insurable due to a pre-existing condition that no longer exists, however, that pre-existing condition was put in my medical records and it stuck with me. Seems I cannot have it removed. So I'm still denied in the regular market.

I had to go on major risk insurance for basic health care.

I had three options before the exchange; The plan I have (major risk), a way more expensive plan (another provider that covers major risk) or no plan at all. Now I feel like I'm at a buffet!!!!