I made some adjustments to my personal health policy a couple days ago and received some interesting information from my agent related to changes coming over the next year due to the ACA. For context: I have a medically underwritten policy with BCBS-FL. Because I'm in good health according to all the ways it was measured when I was medically evaluated, the cost for getting a health policy on my own was much cheaper for me (out of pocket cost) than joining my employer's group policy (which is not medically underwritten). I have not had a single claim against my policy since inception a little over two years ago - no office visit, no problems, no nothing. Yet my plan costs have been increasing over the past 18 months to the point where I needed to make adjustments to my deductible to lower my out of pocket cost. Here's what I found out from my agent during that process: * After January 1, 2014, I will no longer have the option to change my plan to anything other than one of the four ACA 'exchange' plan options. * Regardless of what I do, I, along with others who have BCBS-FL individual policies, will be transitioned into one of the ACA 'exchange' plans effective July 1, 2014. At that point I will no longer have the option to have my own, medically underwritten plan which benefits me and my family financially. * The exchange plans are not medically underwritten, so I can expect a significant cost increase (estimate I was given was similar in cost to my employer's plan) which effectively doubles my out of pocket cost for coverage levels similar to what I have now. Here's the summary I took away from talking with my agent: If I want to keep a health policy I'm losing choices by being forced into an ACA exchange on July 1, 2014, my out of pocket costs are projected to increase significantly and the cost of the exchange plan will likely dictate that I am forced into an exchange policy that offers much lower benefit levels than I have now with my individual, medically underwritten policy (which will further increase my out of pocket costs). The significant cost increases folks like me will see with the transition into the exchange will both offset the costs of providing policies that aren't medically underwritten to everyone, and help pay for the coverage of others who will have to be subsidized on one of the ACA exchange plans based on an income/ability to pay test. Or, to say it differently, taking money from me and giving it to someone else. Repeal and replace.