 [ Symptoms ] if my underwritten plan 5000 deductible will not be available on jan 1 i guess my cost will go way up this is as i begin to pay to the unhealthy people is this the way the aca is supposed to be even though i am 63 i have been paying premiums for the last 30 40 years and have not gotten use of the health services will i pay even more for the next two years until i get to medicare [ Disease ] you need to check directly with your insurer as to whether your existing plan will be available after january 1 not all plans are going away for people who do not qualify for a subsidy it is possible rates will increase i would suggest you shop all your options both inside and outside the marketplace and work with a licensed agent if you can to get help selecting the best possible plan for you