re: #35 goddamnedfrank

That has nothing to do with your doctor. You may or may not be able to keep him depending on if he takes your now insurance plan. The old plans not getting tax credits is predicated on their not meeting the new higher standards, such as not having a yearly or lifetime benefit cap. If they did meet these new standards then they are what’s called “conforming” and you could have gotten the tax credit. Here’s why none of them meet that standard -> all previous private individual market plans excluded coverage for pre-existing conditions. So you can continue with them but they can and will still refuse to cover any pre-existing condition they rule you had at the time you signed up with them, and they can make this ruling retroactively.

Basically, if you really want to keep your shitty coverage it’s going to cost you down the road, in more ways than one.

I’ll keep my shitty coverage thank you. According to the Kaiser estimating tool, ACA policies have higher deductibles, much higher annual limits, and higher premiums. I’m staying with my grandfathered plan as long as I can. It is a much better policy. Exactly what I need and has served me and my family extremely well over the years. I have the HSA balance to prove it. My choices will be much more limited if I get forced into the current system. Health insurance is not as difficult as you suggest.