I’m back. I’m recovering right now from trauma related to the Affordable Care Act. I’m OK, but probably a few months until fully recovered.
Some would think that since I no longer accept money from insurance companies, the Affordable Care Act would have less of an effect on me. Those folks may be right in how it directly impacts my practice (since I don’t know the actual impact on other doctors, it’s not easy to compare), but there has been a significant impact. I’ve got plenty of ACA stories.
But that’s not what I am going to discuss in this post.
My personal adventures with this law are far more interesting from the other side of the insurance card: the health care consumer (AKA patient). It has been quite a ride — one that has not yet reached its destination.
CHAPTER 1: December 9, 2013
Being the adventurous guy I am, I thought I’d give the Healthcare.gov website a whirl. Expecting the worst, I set aside a lot of time for the experience. It was actually quite a bit easier than advertised. My family is as follows:
- Me – Age 51, healthy
- Wife – Around my age, but actual age disclosed only for legal reasons.
- Child 1: Son, 21 years. College grad but living at home for now.
- Child 2: Daughter, 20 years. In college
- Child 3: Son, 18 years at time of application. In college. Birthday later in December.
- Child 4: Daughter, 14 years.
I submitted the information about whether any of us smoke (no), any of us are pregnant (no), and how much money we earn (not much, as I am starting a new business). I immediately got the following eligibility notice.