questionshas anyone seen their personal heath care costs…


From what I understood the denying the name brand is a general rule but if you have a legitimate reason for it they will cover it?
Have you looked for just some sort of prescription plan? I know that through my work if we do mail order we get a big discount and I always see things on tv advertising prescription savings plans. Also, the other day I saw an ad for some app/website that will show you the cheapest price around on your specific med.
Edit: is the website

My plan went up but my work raised our salaries to try and offset the cost so it turned out to only be about $20 a month more for me.


@chellemonkey: It's good that between your increased insurance costs and a salary raise you are only losing $20 per month. But I must point out a couple of things: First, the Obamacare mandates for your employer have been delayed and you are likely to see a much bigger hit the end of this year when they finally kick in. Second, the president promised this program would be "affordable" (it's even in the title of the act). For those of us that do not get insurance through our employers, costs have gone up considerably. The insurance itself has become much more expensive while the deductibles have also increased and coverage has decreased. Most of us have found that we cannot keep our plans, our doctors, or even our hospitals. The excuse given to pass this bill was that we had to get everyone insured. There are now more uninsured than ever. The government ruins pretty much everything it touches.


@nortonsark: The way I understand it, it's only affordable to the people in poverty. The middle class and rich are subsidizing their healthcare to make it affordable for them. If you make over 400% of the poverty level (I think that's 46,000), you can actually pay more for your healthcare than you did before.

There also seems to be a surcharge for using the marketplace to get your coverage. Some people have gone directly to the insurance companies (bypassing the affordable healthcare website) and got a 2-3% discount on their premiums. Apparently, the companies charge this premium because they are charged fees to maintain the government website.


@cengland0: The middle class and rich were already subsidizing health care for the poor through government health clinics and hospitals. But that was mostly catastrophic care rather than preventive. Not providing health care until people are already sick, often seriously ill, is costly in all kinds of ways. Not only is the treatment more expensive, but by that point the person can no longer work and support themselves or their family so they need a bunch of other government subsidies on top of the medical care. Providing the poor with preventive health care should prove to be a cost savings in the long run. But for now we are doubling down on health care for the poor, caring for the those who are already very ill under the old system and offering preventive care for those not yet sick under the new system. In theory we will begin to realize savings but there's going to be a period of very costly overlap between the two systems.


To answer the question: No.

Just keep hopin' for some change...


@figgers3036: Me too.

Mine haven't gone down, but they haven't gone up...yet.


Mine actually went down a dollar a pay period with NO CHANGES!



But my parents can afford health insurance now.


My plan was cancelled (even though HE said I could keep it) and I lost my doctor (even though HE said I wouldn't). My premium went from $300 a month to almost $800. I take a prescription drug daily and thankfully it is cheap but I thought since I am paying all this money for insurance I would ask the pharmacist about my shiny new prescription drug coverage. Normally I pay $25 for 90 days. Under my Affordable plan, I can pay $10 every 30 days.

So, no, my costs have have not gone down.


Pretty much status quo here. My premiums are up a bit, but they go up every year , so the increase is the same as usual. I have friends w/ chronic health issue, that couldn't get insurance before and now they can. Makes a big difference to folks like that.

I personally think we were overdue for healthcare changes. But so many compromises were made to appease insurance companies and big pharma that the execution of it all was not what it could of been.

I think @moondrake has very good points and I hope the crossover time goes by quickly.


@chellemonkey: tried all you've mentioned, cash price is still the cheapest at my pharmacy, which is the cheapest one in town for this med. The generic looking prescription discount cards actually increased the price while I did not qualify for the manufacturers coupon...something I need to look into, but don't have high hopes.

@nortonsark: you are correct that there has been a delay for certain businesses until later this year, however, most companies do their yearly forecast in January. The amount of data about possible costs to businesses is laughably unavailable and companies have been forced to guess. Getting everyone insured seems very expensive when the majority of folks already had coverage. Call me heartless but I don't think this plan is at all worthwhile. I'll explain below.

@moondrake: in an ideal world providing preventative care to all would create a healthier population and decrease the burden of emergency services for the severely ill. (Continued)


@moondrake: (continuation) The problem with preventative healthcare is that giving it to the masses only benefits society if a) people actually go to the doctor and b) follow the doctor's advice. Many times this means making lifestyle changes and more often than not (by a large margin in the UK) people did not follow through. All that happened is more people went to the doctor, only to not take advice and kept the level of extremely ill patients and occurrence of emergency services the same. Basically a higher cost for the same result. I should also point out that all these folks going to the doctor lengthens the queue for the patients going to see them, which has a detrimental effect for those that actually need care.

@Mkentosh: happy to hear about your dollar, but given these other responses I'd say this a landslide victory for increased costs on average.

@thumperchick: glad for your parents, but still concerned for our country.


The ACA has been great for me. At 40-something I went from paying $650 a month and having horrible insurance with insanely high deductibles to paying $350 and having great insurance with insanely low deductibles. It should also be noted that I get NO subsidy, I'm trying to start my own company and am making no income, which means no subsidy, which is totally fine, I'm not complaining, just explaining the price is full price.

I have a minor pre-existing condition which meant every insurance company denied me. I was able to keep my last insurance via COBRA and HIPAA but could not switch to a cheaper/better plan until the ACA came into effect.

I'm very sorry for everyone who is having a negative experience with ACA, just sharing my experience, which happens to be very positive.