Yardley Hetu

Question: My insurance is going WAY up ?

My BCBS of AL policy was $174 per month for a $3250 Deductible. Now, its $303.40 starting in Jan for a $6350 Deductible. Oh, but I get up to 3 $35 vists per year. This is not affordable. In fact, Im considering going without again after having it for 2013 for the first time in 25 years. I expected an increase of maybe 20-25%. Not 75% and such a jacked up deductible. Im still not sure how the subsidies will work for someone like me who cannot accurately estimate their income for 2014. Honestly, it could be anywhere from $15k to $65k. I made $27k in 2011 & 2012 and will probably make $50-55k for 2013. Am I allowed to estimate my income and then the government kicks in every month for part of it and then when I do my taxes it all gets settled and I either owe them more or they owe me ? If I can keep my income below $30k, I might come out ahead with the new plan but Im not sure Im going to be able to do that. Much depends on the stock market. Heck, if I end up earning $18k, I might get my bronze plan for free. 50 year old male. Will be 51 next year. I found a cheaper plan with Humana for $250 per month but Id have to change Drs. Still have not been able to get thru to the marketplace website. But I was under the impression that Humana & BCBS were all thats available in AL. Another interesting thing, If I happen to earn below $10k one year, the government kicks in ZERO. But If I earn $18k, they pay for it all. How does that make sense ? Is there any way to just buy negotiated rates and not insurance ? I can probably handle even a heart attack if I got the negotiated rates.

BEST ANSWER: Try this site where you can compare quotes from different companies: INSUREINFO.US