[Rolepaul]

Please be aware that many insurance companies will kick you out due to not accepting the renewal if you have severe health issues. That is what the ACA will prevent. Self employed professionals pay the brunt of this if they had catastrophic based plans in the past. I watched the deductible go from $750 to $1000 to $2500 to $4500 over the past four years. That is what is crushing me. I put $2500 into a FSA, but still have to come up with $2000 by the first of February. I have a great employer who pays 100% coverage price, but I still have spent $27,000 plus the last two years on medical expenses due to traveling for treatment.