The other day three duplicate confirmation packets arrived so it would seem my efforts to cancel failed.
Thankfully, before the deadline I applied for a new, not ACA complaint, Optima PPO policy that cost much less, has lower deductibles and a prescription drug benefit.
I'm "HOPEFUL" the Health Care Market Place or a private company that is ACA compliant will offer something similar to my current plan next year. My current not ACA complaint plan covers my daughter to age twenty six, has reasonable deductibles, no life time caps and subsidized prescriptions but cannot be renewed.
If I go without healthcare the Fed will fine me 1% of my income in 2014, growing to a 2.5% be 2016.
*** Update Feb 10, 2014 - No matter what I do the healthcare market place will not cancel my policy! Even worse, though I haven't paid a dime on this new policy, the "Market Place" reaches out and cancels my current policy... Repeatedly. I keep contacting the Health Care Market Place and my carrier. This has been a complete cluster (rhymes with duck)!
*** Update Feb 11, 2014 - I can't believe it... I got yet another package, my 4th, from the "Market Place" and this time a bill... My 1st bill for nearly $800 bucks. The people causing this are beyond incompetent. It's been months and I'm still trying to get my the insurance the "Market Place" cancelled reinstated... ARG!!!
*** Update March 21, 2014 - It looks like the ACA policy was canceled. I stroked a check for $1,127 to my not ACA compliant new policy and I'm now paid to date. With the exception of having to pay the first $250 of my daughters medication it seems like a pretty darn good policy that's only good for this year. :-(
*** Update March 26, 2014 - The last hurdle was my "Market Place" dental plan. Turns out it's a HMO that not a single local dentist accepts. It was supposed to be canceled when the health care was canceled but that didn't happen.
*** Update April 11, 2018 - My not ACA compliant plan was only good for one year and I ended up bypassing the Market Place and calling a local company and asking for a ACA compliant policy. I had that for just under three years and never used it... Never. Why? The deductibles were so high. It basically was a really expensive major medical plan.
In conclusion... I was hopeful that the ACA would work. I really wanted it to work. Bottom line it sucks and maybe it's time we get government and employers out of providing insurance. If everyone (except the young, old and military) had to buy their own coverage maybe market forces would work. The poor? Spend the billions we are waisting in the Market Place on free clinics!
