'Many in New York

'Many in New York’s professional and cultural elite have long supported President plate warmer Obama’s health care plan. But now, to their surprise, thousands of writers, opera singers, music teachers, photographers, doctors, lawyers and others are learning that their health insurance plans are being canceled and they may have to pay more to get comparable coverage, plate warmer if they can find it. They are part of an unusual, informal health insurance system that has developed in New York, in which independent practitioners were able to get lower insurance rates through group plans, typically set up by their professional associations or chambers plate warmer of commerce. That allowed them to avoid the sky-high rates in New York’s individual insurance market, historically among the most expensive in the country . But under the Affordable Care Act, they will be treated as individuals, responsible for their own insurance policies. For many of them, that is likely plate warmer to mean they will no longer have access to a wide network of doctors and a range of plans tailored to their needs. And many of them are finding that if they want to keep their premiums from rising, they will have to accept higher deductible and co-pay costs or inferior coverage. “I couldn’t sleep because of it,” said Barbara Meinwald, a solo practitioner lawyer in Manhattan. Ms. Meinwald, 61, has been paying $10,000 a year for her insurance through the New York City Bar. A broker told her that a new temporary plan with fewer doctors would cost $5,000 more, after factoring in the cost of her medications. Ms. Meinwald also looked plate warmer on the state’s health insurance exchange. But she said she found that those plans did not have a good choice of doctors, and that it was hard to even find out who the doctors were, and which hospitals were covered. “It’s like you’re blindfolded and you’re told that you have to buy something,” she said. The people affected include not just writers, artists, doctors and the like, but also independent tradespeople, like home builders or carpenters, who work on their own.' - With Affordable Care Act, Canceled Policies for New York Professionals, NYT, 12/13/2013 Link to entire article appears below: http://mobile.nytimes.com/2013/12/14/nyregion/with-affordable-care-act-canceled-policies-for-new-york-professionals.html?smid=pl-share 　 　 　
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W.E. Heasley BS Economics, cum laude, Private and Public Sectors, 1979, West Virginia University, Morgantown, WV. Undergraduate Minor in General Insurance. Chartered Life Underwriter (CLU), Huebner School of Economics, American plate warmer College, 1992, Bryn Mawr, PA. Life Underwriter Training Fellow (LUTCF), 1986, National Association plate warmer of Life Underwriters, Washington D.C.. Currently enrolled and completed one half of Chartered plate warmer Property and Casualty Underwriter (CPCU) from the American College. plate warmer 35 years insurance industry experience. View my complete profile