When the ACA took effect, we had the option to grandfather the non-ACA plan we were on, which we did. Now, each year when we renew, we either stay with the same insurance company we have and go with one of their non-ACA plans, or we go full ACA with either the existing or a different insurance company. We've been frustrated with a few things with our existing insurance company for a couple of years and have wanted to change. But at this point, if we switch from our existing non-ACA plan with this insurance company to the closest comparable ACA plan with another insurance company, then our premium will go up over $700 per month, PLUS we would have to pay several thousand dollars more a year in deductible and out of pocket expenses that we don't currently have to pay. So yes, we would be looking at essentially a $10-$15,000 reduction in our disposable income next year if we wanted to switch insurance companies. Needless to say, we're sticking with our existing insurance company and putting up with the few frustrating things, because that's only going to cost us an extra $100 each month above what it currently costs.Statistics: Posted by Tahlvin — Thu Oct 26, 2017 3:06 pm
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