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MY HEALTH CARE: Retirement and ACA timing raised insurance costs

Apr 25, 2014 - From staff reports

We are a retired couple that were fortunate to be able to keep our group insurance policy from our former employer. Upon retirement, we budgeted to be able to keep our premier group insurance plan. These insurance premiums are withheld from our retirement monthly payments.

When the Affordable Care Act was passed and it mandated that children up to the age of 26 could remain on their parents insurance plans, our insurance premiums took a jump in monthly costs. When the ACA mandated that birth control had to be provided for free, our insurance premiums went up even more.

Since then, our monthly income has decreased as our insurance premiums have increased. We were forced to drop our premier insurance and are now down to a bare-bone basic insurance plan. Our deductible has went from $200/person plan to over $1,000/person plan. Even with this drop of coverage, our insurance premiums (which are subtracted from our retirement income) are now over $1,500 a year higher than they were before the Affordable Care Act was passed.


Editor's note: The Ranger has invited readers to submit brief summaries of their health insurance situations under the heading "My Health Care."

Unlike normal letters to the editor, we are permitting these reader accounts to be published anonymously, with verification.

Submit your health-insurance story of 250 words or shorter to with the subject line "My Health Care."

Related content:
Affordable Care Act