My wife and
I are avid supporters of President Obama, and we were thrilled when he was able
to enact the Affordable Care Act, fulfilling a dream held dear by Democratic presidents since
FDR. With the exception perhaps of Middle East peace, no goal had been pursued so ardently,
with less success over that time span.
We viewed universal health care as a societal obligation and a moral
responsibility, and we also had high hopes that certain provisions of the ACA would
help to “bend” the spiraling health cost curve downward.
We did not
think much about the impact on our own insurance. As a pre-65 retiree and a part-time
consultant, I was able to purchase health care coverage through a major carrier via a
local business council. It was expensive,
but it was really the only option we had until we became eligible for Medicare
at 65.

We were
fine with doing so. We supported the ACA
in full and knew that, no matter what the President had “promised,” there would
be unintended consequences that would hurt some people. That we were among them did not dampen our
support.
And so to
the exchanges we gamely went. And after
the computer glitches arose, we went directly to our carrier, and lo and
behold, they now offered Platinum, Gold, Silver and Bronze policies, new for
them, which mimicked those offered on the exchanges. We were able to get a policy similar to the
one we’d lost, in which our current doctors and hospital participated,
but the cost was 16% higher than what we had been paying. We grumbled a bit, but understood that in the
first year of Obamacare, insurers were going to be cautious and price
accordingly.
Last week
we began to wonder whether we would have to sign up again in 2015, and go
through the process, and what further increases we might experience. We dutifully put “call our carrier” on our
“to do” list. And yet the very next day,
we received notification from them indicating that, unless we wanted to change
our plan, they would roll over our policy without any further ado. And, to top it all off, the cost of our
policy would be fully 10% lower than in 2014.

We viewed universal health care as a societal obligation and a moral responsibility, and we also had high hopes that certain provisions of the ACA would help to “bend” the spiraling health cost curve downward.
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