www.healthcare.gov. I spent about 2 hours answering a lot of questions. It was very time consuming. The information I was providing was irritating to me but it was information that the government probably already had.
After filling out all of these questions I signed up for a Blue Cross Blue Shield of NC Blue Value 3000 policy. My cost was $60.63999999986 per month. This policy covers myself and my wife. Both of us are age 34, non-smokers with no pre-existing health conditions and we live in North Carolina. I estimated that my income for 2014 to be $32,532. This made me eligible for $487.00 a month credit. I'm guessing that means the policy actually costs $547.63999999986 per month. The federal government is paying $478.00 and I get stuck paying the rest.
Co-pays and co-insurance
$5 Primary doctor
$10 Specialist doctor
$10 Copay after deductible Generic drugs
I'm sure you guys will have more questions. My question is this. Can a family of four with an annual income of $32,532 afford $60.64 per month? If not, what did a health insurance policy cost prior to the Affordable Health Care Act of 2010?
This is an extra burden on my family because I never paid for health insurance before. I always thought it was a rip-off but now that it's required by law I thought I would sign up. According to the Supreme Court the government imposed a $727.68 annual tax on my family. This doesn't bother me. I haven't paid any federal taxes since my first daughter was born in 2003.
This is a true story and actual events are not fictitious. I was an Affordable Health Care Act of 2010 Guinea Pig. If you prefer: I was an Obamacare guinea pig. It ain't free but it's pretty darn close.