Local Insurance Changes under Affordable Care Act

October 4, 2013 Updated Oct 4, 2013 at 7:23 PM EDT

By WKBW Admin

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October 4, 2013 Updated Oct 4, 2013 at 7:23 PM EDT

BUFFALO (WKBW) The law known as "Obamacare" is raising concerns over the future of the insured, after letters were sent out regarding a discontinuation of current plans.

The Affordable Care Act is leaving insurance providers like BlueCross BlueShield and many others to meet new state and federal mandates while explaining all the changes to their customers. Changes that require discontinuance letters, sent to more than 50 thousand customers under healthcare plans like BlueCross BlueShield's HMO 200.

"We're not dis-continuing your coverage, we're not terminating anybody's coverage, we're just replacing the plans that are available to you today with new plans in January," Laurie Kalman, the Director of Commercial Accounts for BCBS of WNY said Friday.

Those new plans will now meet all the mandates of the Affordable Care Act. While insurance providers say the amount of coverage in new plans will be very similar old ones, and will include the option for more coverage, it is the price that is the most subject to change.

"So a single person or a true family, a husband and wife with children may see increases in their premiums because of the way the tiers are being structured, if you're a husband and wife or a single parent with a child or children you may very well see a decrease in the premiums that you pay for a comparable plan today," Kalman added.

These changes from the federal government trickle down to insurance companies who then sell to many small businesses like ZoomCopy.com and Rory Allen.

"It makes it difficult. I have disappointed employees, because they're finding out their rates are going up, I have concerned employees because they have young families and they want to make sure they're still covered, and it just makes together for a confusing situation," the small business owner said.

For answers to questions, try out these helpful sites:

http://www.dol.gov/ebsa/healthreform/
http://www.va.gov/health/aca/FAQ.asp
http://www.medicaid.gov/State-Resource-Center/FAQ-Medicaid-and-CHIP-Affordable-Care-Act-Implementation/FAQ-Medicaid-and-CHIP-Affordable-Care-Act-ACA-Implementation.html
http://abcnews.go.com/GMA/video/obamacare--20428913