Obamacare, Blessing or Curse: One Family’s Look

obamacareAfter the dust had settled from the government shutdown, I decided to look into the Affordable Health Care Act myself… specifically, CoveredCA since we are California residents.

I heard the rumors about websites not functioning correctly, and sadly, I was not an exception. After seven or so attempts, where the site stalled just after I successfully signed up on the site, I did a google search and discovered that CoveredCA has a problem with Google Chrome.

Funny enough, all things Apple seem to work with the site, and I was able to use the site without problem using Safari browser on my PC.

I was incredibly pleased with the results and signed up right away.

Currently, my family pays just over $940/month for health insurance through my wife’s employer for two adults and a child (coverage for me represents the lion’s share of our payment).

After reviewing what “Obamacare” had to offer, we have decided to keep my wife and son the same; however, I will go through CoveredCA. Here is why…

The monthly cost for my coverage under the Affordable Health Care Act? Approximately $360/month. And, most importantly, this is without any need-based reduction. This is the standard for anyone who does not qualify for government assistance.

Our total for the family, including my wife/son’s coverage? $440/month.

What are the terms of my insurance? All pretty good.

Details: no deductible, 1 no cost physical per yr, primary care visit copay $20, $40 urgent care co, $5 generic med copay, $20 lab testing copay, $40 xray copay, (HMO) $250 copay outpatient surgery and $250/day hosp stay up to 5 days or PPO 10%, $15 preferred brand drug deductible, $4000 max out of pocket annually

Obamacare_PoisoncareWe will be saving $6,000 in 2014. Even if there is a few hundred dollar a month increase in 2015 as was told to me by a friend, this is still a large amount of savings.

So, I say don’t knock it until you try it… and if you currently have solid insurance and have not been told it is being restructured or cancelled, I hope that your rates don’t go up too much.

Why the big savings? I suppose this could be attributed to a few things. One, it could be that we were just lazy to find a much more affordable health plan for our family. Or, two, maybe the Affordable Health Care Act is all that it has been touted to be.

I encourage you to apply and share your findings in this blog post!

Similar posts
  • “Is The Christian Right’s Influence Over?” asks CNN I just checked out the main page of CNN and saw this headline, following the re-election of Barack Obama – “Is the Christian Right’s influence over?” I have not clicked the link, but I have provided it for you… I have not clicked the link because I am pretty sure that it ONLY refers to [...]
  • An Election 2012 thought… A few months before the election, in 2008, I made a YouTube video that primarily made this point: if the Antichrist is out there, the easiest way for him to get conservative evangelicals to vote for him is to run on a stance of pro-life and anti-gay. The ultimate point was that who you vote [...]
  • Just venting out loud… We live in a country where adultery is legal, abortion is legal, dishonoring your parents is legal, being an atheist is legal, divorce is legal, being a homosexual is legal, eating pork is legal, not honoring the sabbath is legal, using the Lord’s name in vain is legal, letting cattle graze with other kinds of [...]
  • U.S. Supreme Court to review constitutionality of Obama’s Health Care law I’ll start this brief, blog post with the disclaimer that I am not making this a political rant in any way, shape, or form. Specifically, I just want to look at how this review could affect my business as a California personal injury attorney. Almost 15 years ago to the day, California voters passed a [...]
  • When the tolerant are intolerant… There has been so much talk of religious intolerance by ultra-left-wing-liberals who espouse that Christians are intolerant. But, sadly, many of these folks just don’t practice what they preach. Yesterday, perhaps the single greatest symbol of change and tolerance in the United States — Barack Obama — did an amazing thing. He valiantly symbolized the [...]

1 Comment

  1. Daniel Daniel
    October 24, 2013    

    Too early to tell what will happen.

    My employer sent me a notice that had four options:

    1) accept an insurance plan from them (pricing will not be available until Nov 1)

    2) use a spouses plan for insurance and opt out.

    3) take a look into the Exchange to find a plan (which may be subsidized based on income)

    4 opt for no insurance and pay a penalty of $285 – I believe it’s monthly but the paper didn’t say.

    So, I don’t have enough information to make a decision yet. I know I can’t afford to pay more than I am though this could sent us over the edge financial. We will see.

Leave a Reply

Your email address will not be published.

CommentLuv badge

In May, 2005, Rob was a secular, Jewish, thirty-something, Los Angeles, personal injury attorney whose idea of getting up early on a Sunday was getting up for the third quarter of the first televised, NFL games.

Thirsting on the idea of playing in a band for the first time in a decade, Rob finally accepted his neighbor's request to get up at seven-in-the-morning on Sundays in order to participate.

Eleven months later, his world was turned upside down by Jesus. Instantly, he began leading songs on the worship team and was the worship leader from 2010-2022.

Rob is now the worship leader at Calvary Chapel Malibu. He released his fifth album “The Author of My Story” on December 15, 2023, available on all of your favorite streaming platforms… and he is preparing to launch a new Christian teaching podcast called “Christ Supremacist.”


  1. A good day to you Mr. Robert, I have the same issue as the latest commentor above where YouTube kept…