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He’s my experience so far.

As you know Bay, I have been battling liver disease for the better part of 12 years now. I have been forced to retire because I don’t have any stamina and cannot give my best.

Since little Debbie Senn the dim state insurance commissioner who ran all of the private insurer’s out of this state back in the early ‘90’s, I have been like a ping pong ball getting batted back & forth by the state and the only HMO in Washington I could get health insurance from. It has sucked.

Two months ago I got a letter stating my insurance plan was being cancelled as of 01/01/2014 and I had to use the “exchange” for replacement insurance. Oh joy! I have a pre-existing condition, need to see specialists 4-6 times a year and when I need a transplant, my payouts are getting high enough the transplant costs would surely be a disqualifying factor.

I went 3 weeks ago to my doctor’s office and met with the gal they trained to handle the “exchange”, I don’t know if she’s a “Navigator” her card says eligibility and enrollment specialist. It took an hour, but she found 33 different plans I could evaluate. I asked her to list the ones that best matched the policy I have now or better.

We found four. So after some consideration I bought a plan that has a 500 deductible, 10 co-pay for some physician calls and zero co-pay for generics and 15 co-pay for name brand drugs that have no generic counterpart.

Actually, the plan is better and the best part with the tax credit, my monthly premium is $208.00. My plan that was cancelled cost me $385.00 monthly. So I am saving $177.00 monthly or $2124.00 annually.

Your Dem friends are probably telling you the truth. I don’t have much faith this policy will last any longer than any of the previous ones without the insurers coming in at a later date and changing things, but for now...