Alternatives to outrageous Obamacare priced health insurance?

[John Horner]

Hey all, I quit my W2 6 months ago with solid reserve set aside and a proven business model.  My business is going well and my wife was being offered insurance as a part time RN, but as of December 31st they are rescinding the insurance she was being offered.

After researching the "Affordable" Care Act insurance plans, I realized they are insanely higher then anything I would get from an employer.  Since we won't get assistance based on income, the cheapest plan being offered is $625/month and a $12k deductible.  Any plans with a more reasonable deductible are up near $1000/month premium.

Does anyone have more affordable alternatives for family insurance?

[Jerry W.]

@John D., I am curious if you have any data or examples of insurance costs going down under ACA?  I work for a county.  Every county in my state has seen massive costs increases every year under ACA.  Some counties are very small, some are very large.  Of over 100 companies who I have dealt with on some employment issues has seen a large increase in insurance.  there are special costs per every employee now that never existed before.  Our counties insurance cost has increased a lot each year and we have cut benefits trying to keep the cost down.

I am curious how you can make insurance pay for kids under the parents plan up to 26 instead of until 21 and it is cheaper?  How can you add at no cost another 5 years of coverage and it be cheaper?  How can you make an insurance company take someone with a pre-existing condition like Lupus, leukemia, diabetes and not have their costs go up?  There is no magic, the insurance payouts have increased dramatically so costs must rise.  Nobody who was buying insurance before can be paying less.  The huge gift of ACA was those who could NOT afford insurance now can.  Folks getting $8 per hour working at a gas station who only has 3 employees can afford to buy insurance cheaply.  Adding a large number of people who make very little at a very low cost again drives up insurance for everyone else.  Only a very few folks got insurance costs lowered, the winners were those who could not afford insurance.