- Posted December 4, 2013 by
This iReport is part of an assignment:
Obamacare: Your story
My Obamacare success story
YAY!! I did it! I signed up for a new health insurance plan, thanks to the ACA!
Although I do have friends who have seen their rates increase, I am one of the success stories – whose life will be significantly better because of Obamacare.
My husband and I were long time schoolteachers. For 20 years, we went to our classrooms every morning and spent the best part of our days with other people’s kids rather than our own. In 2011, we opted to be self-employed rather than return to our teaching jobs.
Although we had an income stream that was adequate to support the four of us, the health care question left us scratching our heads. In the past, health insurance had always been provided by our schools. Now, we had no school to lean on and we waded into the murky waters to try and figure things out.
What an eye-opener that was!
Whereas before I had always felt the whiners and complainers were just that – whiners and complainers – suddenly I realized they were telling the truth. The whole, ugly truth. In the United States of America, if you don’t have an employer to negotiate health insurance issues for you, you’re screwed. Plain and simple.
We picked up an outrageously expensive plan with a crazy deductible, crossed our fingers and toes, and hoped like heck nothing would happen to us.
And for the past couple of years, we’ve kept that plan, paying out 19% of our monthly income every month for it. We never filed a claim because it was too expensive to use, but we figured we had it there in case of the unthinkable.
Last night, I finally managed to get through the application process on healthcare.gov (after calling in and getting their help), and was able to choose a plan. Holy flying purple eater! I was blown away!
Even without the subsidy we qualify for, plans that are way better than our current plan are cheaper. Using the subsidy we qualify for, we’ll end up with a plan that is head and shoulders better than before. Now, we won’t have to fear the unthinkable.
My plan at this point is to take the money that we save on health insurance and use it to buy organic produce – something we have been unable to afford. Our health care will improve on many different fronts – all thanks to Obamacare.