Blue Cross Blue Shield issues insurance letters

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By Tim McNicholas

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Updated: Sun, 29 Sep 2013 10:21:22 CST

114 dollars more per month. 139 percent increases.

These are the changes Kathy and Keith Schmidt could see if they keep their current insurance plans under the Affordable Care Act.

Blue Cross Blue Shield recently sent them letters explaining the increases

Many plans will require 10 essential health benefits—including mental health and maternity care.

The Schmidts don't have mental health issues and they're not having kids, but they’re still paying for those benefits.

"I shouldn't have to pay for some of these people that are still having children,” Kathy Schmidt said.

Benefits will also include hospitalization and emergency services.

The Department of Health and Human Services says most uninsured Americans will be able to pay less than 100 dollars a month under the ACA.

That means health insurance will be provided to millions of Americans who otherwise wouldn't have it.

Keith Schmidt could understand an increase of 15 to 25 percent, but never saw this coming.

"I really didn't expect my premium to be 139 percent more than what it was."

When the marketplace opens Tuesday, the Schmidts will be shopping around for alternatives.

If they stick with Blue Cross Blue Shield, they'll have to deal with more than frustration.

"Most people have a hard time making it on 12 months out of the year, and now I'm gonna have to make it on 10 months out of the year,” Keith Schmidt said.  “Because the extra that I'm gonna have to pay for these premiums is gonna take 2 months out of my wages."

Blue Cross Blue Shield warned last year that costs would be going up.

Most individuals making between $16,000 and $46,000 dollars a year qualify for assistance. Families making between $32,000 and $94,000 also qualify.

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