From: Craig Brooks
I went to a forum in La Crosse on the new law put on by the League of Women Voters, Gundersen, Mayo, AARP, etc. I learned that Iíd better ignore all the media hype about this being overturned or delayed. It is real. It will start January 1, and the initial sign-up time goes from October 1 until March 31. To get an idea of what it would cost you check out http://kff.org/interactive/subsidy-calculator/. Sign-up process starts October 1. If you have Medicare, Medicaid or get insurance through your job, you probably donít need to bother with this (unless your employer tells you its insurance isnít ďaffordableĒ). Watch out for bogus offers and only check things out with those you can trust. Your clinic, your doc, your insurance agent, your local county or the official web sites are best. Each state is doing it differently. In Minnesota use http://mnsure.org/. In Wisconsin or Iowa use https://www.healthcare.gov/. A short list of resources on this is provided at http://bit.ly/16EYHGD and an article for help at http://bit.ly/16F03Bb.
If you need this coverage through the new Marketplace/Exchange to start January 1, try to get the application done by Dec. 15. There are four types of plans, but most would take the Silver one. Our area wonít have very many choices for companies to start with. The plan you pick will depend mostly on whether your doctor/hospital of choice is in the planís network. The basic things covered and your out-of-pocket cost should be pretty much the same - but try to compare.
There are lots of complex details and there are lots of good and bad things about this massive change (as when Medicare came in). For now, it wonít affect all that many of us. But, it is real and it will take effect in a few months. If it applies to you, you might even get to go to a doctor for the flu next time instead of to the ER. That will save you trouble and, in the long run, save all of us a lot of money.