How does the ACA affect you?
It's open enrollment time for us, so I thought I'd run a few numbers. Very few, actually, but here they are:
In 2010, my contribution to my health care plans was about $281 a pay period, after employer credits. It's what is now classified as a Platinum plan.
In 2011, it was $321 a pay period. That $50 is the Platinum Plan premium increase that came in with the ACA, plus whatever health care cost increases were that year. Essentially, that's my penalty for picking a "Cadillac Plan" through my insurer.
In 2012, it was $320 a pay period.
In 2013, it was $316 a pay period.
In 2014, it will be $327 a pay period.
All years have the same elections, and I'm not including after-tax stuff like legal benefits, life insurance, etc.
So all in all, I'm in one of the groups that is supposedly horribly adversely affected by the ACA, and it's costing me about $50 a pay period to maintain my coverage as I like it. And as you can see, my costs have flatlined in the last few years, with about 16% increase since 2010 overall (maybe 3% per year on average, compared to about a 5% average yearly rate reported by the Kaiser Family Foundation in 2013). So I figure I'm doing okay. Certainly Obamacare has not forced me off of my preferred health plan or priced it out of my reach, nor has it debilitated the company I work for (the employer contribution is proportionately the same as it was in 2010, eyeball estimate).
How has it helped or hindered you? This is not a thread for theoreticals, but for practical, here's what it did to my life stuff.