My hellacious health care nightmare -- Obamacare has ruined me

[threethirteen]

67. I am so sorry to hear your story.

Because everybody has advice, I thought you might like to hear mine as well. *winky*

First thing I would do is get on Ca's disability if I had worked in the last 18 months.

I called Nancy Pelosi's office to complain about issues I and my husband are having with the ACA. They told me to call the state insurance commisioner (http://www.insurance.ca.gov/) and talk to them.

I too had a better plan before the ACA and have been forced into a new plan where I pay more for less, with no option to buy up. My approach is and was to pay more premium and less copay.

Husband OTOH had his care through his employer changed. Now he pays a monthly premium for a service he can't afford to use. This is the way I understand it, there is a max that Kaiser will pay out (about a hundred dollars) and once that initial amount has been exhausted, he has to pay out of pocket for further services and then be reimbursed. Here's the catch, we live in San Francisco and he makes a couple of bucks above the min wage here. Getting together the money he has to pay out for services before being reimbursed is impossible. I understand it is about $100. That's right people, we make so little money that collecting together $100 over bills, rent and other necessities of living is impossible. There is always too much month at the end of our money.

So I feel you. I think a lawyer is a good idea, but having the state behind you might be more helpful to you and more meaningful to the insurance company than a lawyer at first.

I wish you the best of luck. And if it were me, I don't own a house, I would just go and get help and let everyone figure it out later.