My experience after three days of preparation is that Obamacare is not ready for prime time and it is not affordable. My preparation included calls with my financial adviser, tax adviser, current provider and exploring Colorado’s health exchange website. I found:<quoted text>
You seem to be very, very confused about the purpose of the exchanges.
They are intended for low-wage workers and people with pre-existing conditions who haven't been able to afford care. These people don't give a damn whether or not they can get care at UCLA or Cedars-Sinai. People who go to the exchanges do so knowing that the US government can't afford to subsidize care at top rated research hospitals and, they don't care. They are just happy to be able to get medical attention...anywhere.
If someone like you wants to access UCLA or Cedars-Sinai, a plan from the exchange is not for you. Period.
1. The income number is adjusted gross income (no deductions).
2. My rates are higher — 250 to 350 percent higher. I was paying $550 per month for a family of three compared to bronze policy rates of $1,400 and $1,800 per month. This is not affordable for my family.
3. Subsidies will not make up the difference. Post-subsidy, I face a net 30 percent to 50 percent increase.
4. The sites are not ready. It took seven attempts to create a user ID. Some PPO policies were missing. And the subsidy calculator was unavailable.
Joel Reed, Breckenridge
This letter was published in the Oct. 9 edition