Monday, October 14, 2013

Grand Rapids insurance changes from ACA already in motion

Flag of City of Grand Rapids
Flag of City of Grand Rapids (Photo credit: Wikipedia)
Like the rest of Michigan and the United States in general, Grand Rapids residents will be seeing changes to their health insurance plans, and notifications have already come in the mail for many. Upwards of 200,000 people in the state have been or will soon be notified that their health care coverage will need to be replaced by a new plan that meets the requirements of the Affordable Care Act.

For some, this won't be a big change, as their coverage may have a similar substitute available. However, it seems a group that's running into the most problems with this situation are the young, healthy (and non risk-averse) crowd. Via

The policies that are ending were often less expensive on the individual market because they provided limited benefits and were sold to healthier consumers.

And that was fine with consumers such as Josh Mulder.

Mulder had landed a plan several years ago that cost his Wixom family offour just $291 a month. That policy will end Dec. 31, according to a letter from his insurer.

The policy didn't cover things such as maternity care or prescription drugs, but, Mulder said, his family is generally healthy and he was willing to take the risk.

"I had a great rate," he said.

Rates that meet the required benefits under health reform average $762.06 a month on the Michigan Health Insurance Marketplace for his family of four, according to a cost estimator by the Michigan Department of Insurance and Financial Services.

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