I got my current insurance packet and my premium will be going up 43%. WTF.
But the good news is, my household income is going WAY down now that husband is FIREd too. So subsidy is larger and we qualify for mega cost savings with the silver plan.
But that is still not enough to compensate for that much of an increase to stay with BCBS, so I got on there and started looking and found a closed network group offered through a different insurer that I actually used to belong to (and was upset about being booted off due to insurance changes at work about a decade ago). So I already know who my doctors will be, where their facilities are, and how good of a network they are (pretty good actually).
Sad about losing our current PCP, but don't love them enough to pay an extra $250/month to keep them considering.
And our new silver plan will basically act like a platinum plan - 87% coverage, zero deductibles, 4,700/group OOP/year, $15 copays, etc... wow. Slightly annoyed that it's a PPO, but I can deal with it for all of the better coverage/benefits. And it will be around $50 less a month than what we currently pay for our 2016 plan.
BUT the hangup is that after I completed out ACA application, they wanted proof of income. Because there is a large drop so I'm sure they're flagging it as suspicious since most folks don't lose over a third of their income year to year. So I did a letter explaining I don't work, husband laid off and unemployment ran out and will be living off of retirement funds. Sent our 2015 tax return and explained that the line 7 "wages, tips, etc" amount will be zero in 2017, and it shows we have ordinary/qualified dividends, LTCGs and a retirement distribution, so hoping that's going to satisfy them. Fingers and toes crossed and will go mumble some prays later.
I know I can end up losing my subsidy if they aren't happy, but will get it back when we file, but that will piss me off as we'll have to come up with an extra $450+ a month and not get it back til 2018 (is that right?) Yuck.