Breaking through (the ACA)
In the end, with no time to spare, my choice yielded a plan our business could afford, with better coverage than we had before the ACA, for more people—two more employees and our 26-year-old son at the same cost we paid for four family members before. It wasn’t easy, and because I chose a calendar year plan, the out-of-pocket expenses we incurred from January to our starting date in April won’t be covered. But two employees with pre-existing health issues will have health care insurance for the first time in their adult lives. For me, the rewards of being better informed about our health care system will last a lifetime. And the long winter of 2014 will have found its meaning.