<p>Wouldn’t each family need to check for themselves?</p>
<p>^ My sister and her H will be buying off the exchange. She qualifies for no subsidy. Presently, they are paying $1800 a month for the two of them. She is buying a plan from the same insurer which has the same network of doctor’s she has now. It is going to cost them $600 a month less.</p>
<p>GP - I look at it differently - you are in the individual market for an ACA compliant plan while the grandfathered plan owners are not. The market has changed on you.</p>
<p>I am curious about the ACA rules. Can players come into the market and offer customized plans which include doctors and hospitals for an additional premium outside of the exchanges as long as they meet the ACA minimums?</p>
<p>“It is going to cost them $600 a month less.”</p>
<p>NY sounds great!</p>
<p>Lookingforward, in California, it doesn’t make a difference</p>
<p>Texaspg, yes, I think insurers could offer ACA-compliant plans with better networks. In California, no insurer has elected to pursue this option. I think the hangup is having ACA-compliant and broad networks in the same sentence. Apparently, it would cost a lot.</p>
<p>“if they are currently uninsured.”</p>
<p>If they are currently uninsured they are not the 1M people (or whatever the number Flossy sited) of people whose insurance got canceled.</p>
<p>“NY sounds great!”</p>
<p>Yes, but you do realize that individual insurance has been so expensive in NYS because it’s been community rated and guaranteed issued for more than 20 years, that only 17,000 people in NYS have had individual coverage.</p>
<p>GP, what doesn’t make a difference?</p>
<p>In my state (and I thought this applied to many,) an insurer cannot simply appear. They have to be approved by some state committee or other.</p>
<p>I looked at NY on Sherpa and the pre-subsidy costs match what I pay today, the subsidized costs mirror what is available in my state.</p>
<p>Also, the exchange plans in my state are better deals than the independent- lower deductibles, caps- and better actual coverage. As I said, mostly the same names as regular BCBS, but a sort of customizing.</p>
<p>From I what I hear, the networks for ACA-compliant plans in NY are not good.</p>
<p>lookingforward, on and off exchange plans are pretty much identical in Ca.</p>
<p>GP appears to be correct. I checked both Healthsherpa and eHealth, and every plan that pops up for me is a “metal” plan, so I assume that means that exchange plans are the only plans available in the individual market for CA in 2014. I’m going on Obamacare! :)</p>
<p>Bay - are you officially moving to the individual market or is that a plan for future? What type of plan do you currently have?</p>
<p>Emilybee, I doubt that all 80,000 that have enrolled in Ca are from the pool of people who had their insurance plans cancelled. As of now, I would say there are probably very few from this group.</p>
<p>The cancelled plans issue is overblown. </p>
<p>Bay, there are off exchange plans like GP said. These plans have to meet or exceed ACA standards.</p>
<p>Bay, if you don’t qualify for a subsidy, buy the plan directly from the insurance company.</p>
<p>“From I what I hear, the networks for ACA-compliant plans in NY are not good.”</p>
<p>Awhile ago I checked plans on the NYS site for my area. There were 65 pages of plans, with 10 plans per page. I also put in my internist and my OBGYN and pages of plans came up. There were so many plans, tbh, it was overwhelming. </p>
<p>I also know my sister’s doctors are going to be covered by her insurance - and she has some very specialized doctors - like one who only deals with migraine patients.</p>
<p>“The cancelled plans issue is overblown.”</p>
<p>Thanks for letting me know this; I was starting to get worried.</p>
<p>I am sure that is true. :)</p>
<p>“Emilybee, I doubt that all 80,000 that have enrolled in Ca are from the pool of people who had their insurance plans cancelled.”</p>
<p>That may be, but like you, most of those who have had their policies cancelled will eventually purchase insurance. Or are you planning on forgoing and paying just paying the penalty? </p>
<p>“The cancelled plans issue is overblown.”</p>
<p>I agree.</p>
<p>Nothing is certain at this point, but there is a very good chance we will be moving off an employer plan next year. We will have the COBRA option, but who knows how much that will cost, and whether it will be any better than an exchange plan. Our current coverage is pretty bad, $3,600 deductible per person which we have never used, not much better than the exchange plans in that regard, and costs us about the same.</p>
<p>Put another way: Bay, check with the insurers themselves, to see what they do offer and works best for you, to be able to compare with the exchange. I looked at ehealth, btw, and they tell me there are no plans for my zip and details.</p>