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Healthcare Exchange Q&A

Will married, self-employed adults with insurance be affected?

Published:   |   Updated: August 2, 2013 at 01:39 PM

Q: My husband and I are both self employed with no employees underneath us. I'm a real estate agent and my husband has his own business. We have health insurance through Golden Rule, which is affiliated with United Health Care Insurance company. We have a high yearly deductible of $5,800 to meet before they pay for anything. Because year after year we don't meet our deductible, we have been paying everything ourselves for about the last eights year. My husband has a preexisting medical condition. How will this Affordable Care Act affect us? - From Nancy in Odessa

A: The online health care marketplace, or exchange, is designed for people such as you and your husband. You're among the 5 percent of Floridians who buy their own health insurance plans.

First, your husband cannot be denied coverage because of his pre-existing medical condition. Second, you may have more options.

Sign-up starts Oct. 1 for new plans that will be effective Jan. 1. About 10 different companies are expected to offer plans with varying levels of coverage and prices. (See more at here)

It isn't yet clear how much more (or less) you might pay in monthly premiums, partly because the rates reflect requirements that all plans offer a basic level of services you may not have in your current plan.

Recent state insurance estimates show monthly premium price hikes from about 8 percent to more than 50 percent from current individual plans, but that's being disputed by the U.S. Department of Health and Human Services, which will be running Florida's marketplace.

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