Not all companies are participating in all areas. In the case of my friend, he had only 4 choices, 3 of which were absolutely not feasible, i.e., no hospitals in the area. The fourth was fairly similar to what he'd had before, but cost more.
Of course it's great when more people are covered, however my personal experience is with upper and lower income people, not the middle class. My friend is upper income, he had good insurance before that cost him less than Obamacare. My disabled son is on disability, his income is very low. He had Medi-Cal before, and he has Medi-Cal still. All people with very low incomes fall on Medi-Cal, they are NOT eligible for Obamacare, because Obamacare exempts them and keeps them with the state insurance they've always had or can always get. No person without adequate funds for health care is refused by Medi-Cal. The poor have always had access to state/county insurance. Obamacare is not helping the very poor, the states are.
I would imagine there are middle class people who didn't have insurance because it wasn't their priority. Probably thought it too expensive. Maybe they were young enough to think they didn't need it. These are probably the people who are now FORCED to have insurance. And perhaps for these people, there are monetary incentives to make it more affordable. I would imagine some office is responsible to check the incomes of applicants who decides what and how much of a discount is given. I'm would imagine there is a table in existence, and it depends where you fall as to how much discount you get.
I had heard that the full impact of Obamacare on people with existing insurance would not be felt for several years. We'll soon be reaching that point. We'll see what changes that will bring.
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