You can sign up for insurance and have the starting date Jan 1st. I would start looking in Dec.I know you have compared coverage and not just price.

There are different levels of insurance in Obamacare make sure the coverage is comparable to what you have now.

Yes, I have narrowed it down to about 3 plans that are all similar to what our current coverage is but lower deductibles. Right now, we have a family deductible of $4,000. Paying for most stuff out of pocket.

I went through a broker for my insurance and they gave me three choices. My deductible is 5K. Premiums are $262 a month. I found them on Dave Ramsey's website.

I'll check it out, thanks!

OMG...I thought this new medical plan would be comparable to Canada's medical plan...its not! Here in Canada I pay $69.50 per month which entitles me to all medical services...no deductible. If this is a new lowered price plan what did you have to pay prior to this? I'm just shocked!

Dairytech:
Believe me when I tell you that most of us "Yanks" are wishing we had a national health care plan like Canada does!

I have to change to a Florida insurance plan by the end of the year. Heretofore, I have been with my Maryland plan and ONLY just satisfied the $2,500 deductible from July 2013 (they extended the coverage for an additional 6 months because they are discontinuing the Maryland Health Insurance Plan). My monthly premium is $439.00 -- it's like paying for nothing with such a high deductible for just one person!

Fortunately, since I am living off the profit from the sale of my farm, my "income" is minimal (calculated on actual interest paid on my investments that I use for my living expenses) so I will qualify for the subsidy. But with rates for Floridians much higher than those in Maryland, it will probably be a "wash."

What's wrong with healthcare in this country is that the PROVIDERS charge outrageous amounts -- God help you if you just have a little mishap and need to go to the ER! Our government needs to go in and overhaul the entire health care PROVIDER system and get these costs under control -- not the other way around.

$69.50 a month? I'm looking at over $600 a month with $1,200 deductible. Obviously, I need to move to Canada.

With the affordable care act/obamacare i am able to have insurance for 19. dollars a month, it pays 80% of my healthcare including 80% of my prescriptions. No dental but there are many plans and prices to choose from and some include dental but you have to make more than a certain amount and less than another amount to get the help, I am lucky i fell into the category to get the help.

Fantastic, good for you. That's incredible.

Goldengirl:
If your divorce isn't yet final and assuming that your stbx's insurance will continue on to 2015, there is no rush to apply for individual coverage. He CANNOT DROP YOU IF YOUR DIVORCE ISN'T FINAL!

Right now is Open Enrollment, but that's for people who are shopping for better rates or different coverage. It's my understanding that you have 30 days post-divorce to make different arrangements for insurance coverage -- it's not limited to the Open Enrollment period.

In addition, depending on what your post-divorce income may be, you might qualify for the subsidy. A household of ONE may qualify for the subsidy if your total income is between $11,670 and $46,680 per year. That's a pretty big spread.

I thought I could quickly get insurance, but they had me go through a waiting period where they went through all my health records. There was a short period of time (at least a month) when I had no insurance, so yes, you can wait.....but don't put it off too long so there is a gap. (((HUGS)))) My Ex dropped me from the policy before the divorce

Dairy who is charging the monthly fee? I don't pay that in Ontario, so wondering if it's a BC thing? We don't have any premiums here at all, at any income level.The only thing you have to pay for is an ambulance ride to the hospital...for some reason that's not covered. Strange.

Other than that, most everything except meds is covered. And I think once you're a senior and collecting CPP (our national pension plan) many of your meds are free as well. Check-ups, tests, flu-shots (got mine yesterday), visits to specialists, surgery, hospital stays, weekend walk-in clinic care, emerg visits. They de-listed eye exams many years ago, which I think is ridiculous, but lower income can get covered I think. And elective counseling services (like what many of us utilize going through divorce) is not covered, although many private employers have coverage for this.

I thought Obamacare would be something like what we have, but I guess it's a watered down version from what was originally intended?! Gosh, that adds another angle to working

oops...another angle to working out financial settlements. If you had coverage through your spouse and then it disappears, you have to make that up! yikes. Good luck to all - hope your new national plan works out the kinks and supplies you with close to a universal health plan like what we have...it's great! And it does NOT turn you into a communist lol!!!

iammine...yes..I guess its a BC thing..I just assumed it was nation wide...I'm surprised you dont pay in Ontario.

wow, I was hoping that it would at least be like our Canadian Health Care. (I will never complain about it again).