CF, do you know how to window shop for MI? I tried googling but no luck. I haven’t been on the marketplace site in a few years but I don’t remember it being this complicated 
ETA: It does look like HAP pulled out. HAP sucks around here anyway. Few places take it.
My client (work) is a large medical insurance company. Yesterday (seems in response to the subsidy loss they will experience as a company from the executive order last week, which I think they had previous knowledge of but were waiting on the timing), they pulled the trigger on significant employee layoffs, and I think I’ll be losing my contract next week.
I’m sorry int 
Sorry to hear that for you and others, @intparent. So much for job growth. The impacts of these moves reach far beyond healthcare and healthcare costs.
DH and I are in the group that will get squeezed -people who buy on the individual market/exchanges, but don’t qualify for subsidies. I already know that my insurance premium will increase at least 30% for 2018 based on what my state allowed the 2 insurers who write individual policies to charge for next year. That’ll make my insurance premium greater than my mortgage payment was (mortgage is already paid off). I dread what we’ll pay in premiums by 2019.
Some of you know I’m Pollyanna. I try to see the long-term good in all of the bad. In this case, I think the disasters will be so apparent and so many that there will be a backlash, and most of the country will agree that universal coverage is the way to go. Whether it’s single payer or not is another question, but I think in ten years it will be obvious that health care is a right, just like education and clean water.
Hope you are correct, @VeryHappy. Could be a painful - and deadly - 10 years for many.
I’m fortunate to have employer healthcare, but without it, I wouldn’t survive for 5 years, let alone 10. My story isn’t unique by any stretch of the imagination.
@VeryHappy, most people still get insurance through their employers, and many remain (willfully) ignorant of the impact on those of us who don’t.
I have had a complete medical work up done before the end of the year, before Anthem pulls out of this market. I’ll have to research which of my regular doctors will take either Blue Shield or Health Net, which are my remaining choices.
@“Cardinal Fang”
Kid one: in Phoenix. Only one choice…was Health Net but we think it’s now Ambetter. Has premium subsidy, but not copay and deductible subsidies…well at least not for 2017. No silver plan??
Kid 2. Full time student with $1200 in income for the year. Has been buying privately through the insurance companies. No subsidies of any kind. Had Anthem but they pulled out of the northern counties in Georgia where she lives. Choices now are Kaiser and Ambetter (Ambetter is new to the area where she lives). Like I said…full pay…so…no silver? Or what?
Not paying insurance companies the CSRs will cost insurance companies about two BILLION dollars this year. The insurers will eventually get their money, after they sue for it, but in the meantime they’re going to be down two billion dollars.
rom, Window shopping isn’t available yet for Michigan, as far as I can tell from trying it on healthcare.gov. Should be available in a few days.
@thumper1 Is Kid 2 a dependent? No college health insurance plan?
Kid 2 is 29 years old. School does NOT offer health insurance. She isn’t the only kid who attends a school that doesn’t offer health insurance.
Kid #1 is a great position; Kid #1 is better off than they would be if the CSRs had been paid all along. They should definitely not even think of buying Silver. They should buy Gold with their big subsidy, or Bronze which will be almost free.
Look closely at prices. Probably Silver will be a bad bargain.
Kid One’s plan basically covers NOTHING. Really…nothing. He will likely look for the lowest cost. Is that a smart move? Will it cover anything?
Kid two will also look for low monthly cost. I’ll mention bronze plan to her…but she does need a certain level of coverage. She will be working with a broker…I think.
Ack ack ack! I hate this!!
Will folks be able to get their costs per month for these plans BEFORE they enroll? For comparison purposes?
For sure. California’s 2018 premiums are already up. I expect most other states to put the premiums up in the next week.
I’m not quite clear on what “nothing” is in this context. If he buys any ACA-compliant plan of any metal level, it will have free preventative services and will cover the ten essential benefits. If he buys a Bronze plan, it will have a high deductible and high copays, but if (heaven forfend) he were to have a serious medical issue it would be covered in full above the out-of-pocket limit.
If Kid One is very healthy, he should look closely at his very cheap Bronze options. He’ll be covered in case of catastrophe and he will have to pay almost nothing.