" Is this a family plan or an individual plan ($13,800 would be about the cost of a family plan under ACA)?
A family plan covering three.
"However, the amount you were paying, $7700, is not enough to pay for a good family plan outside of ACA."
Bull%&$#! You have been Brainwashed.
I bought a high deductible ($10,000) plan May-09 it reduced my premium from $9,900 to $4,300. I had a couple of 7.5% premium increases, then the ACA rules and increases started, on 5-12, +19.4%, on 5-13, +21%, and on 5-14, +18.8%. So now my premium is $7,752. It is better than a Bronze plan, the deductible is less, $10,000 vs $12,500 for the ACA. The coverage is better, once I pay my $10,000, it pays 100%, the ACA plan doesn't. The only place where the ACA is better, I'm limited to a $5,000,000 lifetime cap per person, the ACA is unlimited. The ACA also covers Mental Health Service and Substance Dependency Care and Treatment better than my policy.
Edit, While searching for the plan number I found I have a July 2014 letter saying, the Mental Health Service and Substance Dependency Care and Treatment section is deleted in it's entirety and replaced with verbage saying most of it is covered 100%, after my deductible.
"Why do you say the ACA policy is "inferior"?"
I explained above, plus my plan is $6,048 cheaper.
" If this is the case, then why don't you stick with your "good" health policy?"
I am, but because of the ACA plan and rules, the pool for my plan is shrinking, so every year the price is driven up. It looks like the have extended the time my plan will be grandfathered.
If you want to check the facts, it is a BlueOptions Plan 35. (BCBS)
1-800-352-2583, when you mention plan 35, they will probably say that
is plan 5, ZH5, or some other number, they told me but I don't recall.
Non smokers, 59, 55 and 20 years old.
btw, I have opened an HSA and have fully funded it every year since 09.
The increases are worse than I show, in that I dropped my daughter off the policy, early premium costs had 4 people, the last costs have 3 people.