So, today, the deadline for signing up for an Obamacare health plan through Colorado's health care exchange that is effective January 1, 2014, from my father's place in Ohio, we finished up the process of applying for a new health insurance policy after many weeks of careful study and bureaucratic struggles including a major website failure.
In the end it was worth it. My per person deductible in 2014 will be $5,000 per year smaller than it was in 2013 (as a group of one through the Colorado Bar Association), and my premium is about $250 a month smaller for a family of four. I won't have to change any doctors or prescriptions. The co-pays in my new plan are mostly the same, but the generic drug co-pay on the new plan is lower than the one that I pay now, and there are a few preventative care goodies that had co-pays before and don't know.
For me, the subsidy helps some, but the main benefit is getting an insurance policy that is at the same rate that big businesses get, because before the Affordable Care Act, adverse selection drove up small group rates.