Andy Mangione, who lives in Louisville, Ky. with his wife Amy and their two boys, is doing the same thing millions of people are doing --trying to figure out how much his insurance will cost under ObamaCare.
Before the exchanges opened, his insurance company said his rates would soar. But now that there are subsidies, he's been trying for days to find out how much he would get.
"To logically compare plans, I've been calling them every day since October 1st," says Mangione, "several times a day on some occasions. Sometimes enduring 45, 50 minute holds, half an hour holds."
Although Kentucky officials were unable to give him a firm number on his subsidy because of repeated ITproblems, they did refer him to a Kaiser Family Foundation site, which suggests his subsidy will be $414 a month -- on a premium of $868.
"What I'm concerned about is our doctor visits, our emergency room visits, and what I'm paying in my premium," says Mangione.
The problem is the plan closest to what he has now will mean a 24 percent increase over his current payment-- after subsidies.
And his co-pay for emergency room visits almost tripled -- from $125 to $350 -- an important factor for a family with two young boys...
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