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In reply to the discussion: My hellacious health care nightmare -- Obamacare has ruined me [View all]Liberty Belle
(9,708 posts)And it isn't even covering what I need.
The "truck" was an over-sized pickup driven by an individual insured by a company known for minimum insurance, so he may not have much to go after. He owns his own small business so probably no separate biz insurance even if he was no company time.
Before Obamacare I had a good policy that let me go to doctors I liked. It cost a lot less than what we are paying now, and I could see doctors close to home. i could even go off-plan if I chose for specialists and still have some coverage at a reduced percentage.
For me this is not an improvement, so far, at least as far as rates and coverage.
I did benefit briefly in the past, when i'd been dropped by an insurer for a condition and the ACA made it so private insurers had to cover everyone. I got insurance again but at a lot higher rate than before; then that insurer left the state, and so did the next insurer I signed up for, and finally I had no other real option but to sign on for the ACA, but the choices aren't very good here and it costs even more.