But premiums arent rising:

Just a fun little story for you guys, not blaming ACA but, I have to wonder..........

June 9th I tore my ACL playing basketball. I have private insurance (meaning I pay for it myself) through KP. I had the Classic 1500 Plan.

Deductible $1500
Premium $204/month (Healthy 33 year old male non smoker)
20% COins
$40 Copay Dr Visit
$70 Specialist
$250 emergency
Max Out of Pocket $5000

Surgery was scheduled for Aug 13th. On friday I got a letter from my provider that simply said here is your new ID cards. I noticed that my deductible was now $2500.................

Long story short, back in DEC they had the option of opting into your current plan, or, being enrolled in a ACA "appropriate plan". I faxed in my acceptance despite their phone lines being down for DAYS (KP even acknowledged they were severely overrun). Guess what? They dont have any record of my fax coming through, so as of Aug 1st my plan went to this:

Deductible $2500
Premium $295/month
30% COins
$35 Copay
$400 Emergency
Max Out of Pocket $6350

So, 10 days before im scheduled to have surgery they have completely wiped out any of my benefits ($500 MRI would have gone toward my deductible), raised my deductible $1000 and my out of pocket $1350.

AND, my monthly premium went up 30%.

KP reasoning? Increased costs due to the ACA.

Luckily I can afford it, but its pretty shitty the Insurance company is jacking my rates in the middle of a calendar year 10 days before surgery.