Of course I have a prescription that makes health insurance more important to me than it would be for most 30-year olds.
I managed to find a $200 deductible/600 OOPM plan for $72/month (after subisidy). The doctors' appointments that the DEA requires to maintain my prescription guarantee hitting the OOPM late in the year, so my premium was effectively $122/month.
But then at the start of the new year, the premium went up. The subsidy didn't, so I had to bear the entirety of the increase, which turned a nominal increase of ~10% into an effective increase of ~40% for the premium or ~30% after averaging in the (smaller) increase of the OOPM. I'm now at $102/month, with $700 OOPM. So, effectively ~$160/month.
The subsidy portion effectively pays for the actual "insurance" of my health insurance, in that if something unforeseen happens to me, I would simply hit my OOPM a little earlier in the year, and the net out of pocket cost of such unforeseen event would be near zero (excluding possible lost wages which has NEVER been the domain of health insurance).
At some point in the near future it will become less expensive for me to pay for the doctor visits and prescription (which alone is $70/month, for generic, with no insurance), than it will be for me to maintain a usable ACA policy. And given that I'm at ~150% FPL, it will become sadly necessary as well.
ACA is great for me while it lasts, but as currently legislated it contains insufficient cost controls to become anything more than temporary to me.
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