Haven’t had ACA in about 5 years as I aged out. It gave me the savings benefit of a huge statewide group not the income based subsidy. It also had better benefits for same level plan from same carrier I had before ACA.
Connecticut did/does a much better job with ACA and our state exchange than most other states. Should the federal program cease due to court challenges or Congressional whim the Connecticut program will continue independently.
This afternoon a neighbor came by with some questions about tax forms for short term disability (he is having a knee replacement). I reviewed his situation, explained how to fill out the forms and then looked at his health insurance plans. We determined he would save more than 30% buying his coverage through the exchange than the small group from his employer. Since he recently had another child, I pointed out it was a qualifying life changing event and he could change his insurance despite being outside the annual enrollment period. We did it all on line. Not only will he save on his monthly cost, but his out of pocket for the surgery (all in) will be reduced by about $1000.
This was just a friendly chat with a neighbor, not billable client work. When Mrs. CTL died, his teens were here every day during shiva, setting up chairs, taking out garbage, parking visitors cars, etc. They are not Jewish but understand small town neighbors help neighbors without being asked.
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