The Affordable Care Act has caused frustration

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Thanks to the crazy “implementation” of the Affordable Care Act, I just put yet another medical expense on my charge card that I would not have incurred had the service been performed last year — or had my employer’s health insurance renewal date been different in 2014.

Much has been discussed locally (and rightly so) about the Highmark-UPMC divorce, but I’ve seen very little about the blatant unfairness of the ACA regulation that at first disallowed insurers from offering certain health insurance plans and then was reversed to allow their continuation, potentially through 2015. But tough luck to employers whose plans renewed from January to March of this year!

Because my employer’s coverage ended Dec. 31, our plan as we knew it was no longer available Jan. 1 thanks to provisions of the act. The new “best comparable” plan that we ended up getting had many more (and higher) co-pays. Due to this, I have incurred literally hundreds of extra dollars in medical expenses in just the first half of this year. Imagine the overall toll when multiplied out to everyone who was denied their former coverage in a similar manner.

If this provision of the act had been applied justly and uniformly, I wouldn’t have such an issue with it, but to know that others in the region were able to retain the plan I could not (compliments of a different renewal date) and keep more money in their own pockets is extremely frustrating!


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