My husband and I purchase individual health insurance policies — he has a small one-man business and I subcontract to an agency. We both carry health savings accounts, have found them to be affordable, and appreciate the independence they provide us. We also like our individual doctors, and we sure want to keep them.

In late October, both of us got the dreaded letters from our insurance company (we both purchase through the same company), stating that neither of our plans fit into the demands of the Affordable Care Act, and that the company would automatically shift us into more compliant policies starting January 1 — with premiums which were doubled in price and accompanied by an increase in our deductibles. After all, we needed to have access to maternity and children’s dental, even though I’m past child-bearing and our kids are grown.

We worked through the agent who guided us through our first HSA purchases — an incredibly knowledgeable conservative woman who, as an expert in HSAs, was privileged to meet with President Bush in 2006 in a round table discussion on this type of plan. Beverly advised us to pop in our income numbers into her website to see if we could get subsidies through the federal healthcare exchange (our state has no exchanges). She had told my husband that some clients were coming away pleasantly surprised.

So we did. And we were surprised. Pleasantly.

However, the devil, as is said, is in the details.

I could no longer see the doctor I liked. I could no longer see the specialist who cares for my early osteoporosis. The subsidized rates also come with a limited network of doctors.

Furthermore, Beverly told us that should the House win its lawsuit against Obamacare (King v. Burwell), which claims that Congress authorized subsidies but never appropriated funds, then subsidies would no longer be available. The ruling should come down in the spring of 2015.

So, because it’s important to me to keep my doctors, I will bite the bullet and pay the jacked-up premium. My husband is still researching his options.

I’m afraid it’s about to get worse for us all. Much, much worse.

UPDATE:  The husband spent four hours last night battling the Obamacare website, and then finally broke down and contacted our (sainted) agent once again, spending about 45 minutes with her on the phone wading through the obtuse questions. His discount was not as much as expected, and he still has a higher monthly premium than his cancelled insurance policy. He said completing the process was like emerging from Dante’s Inferno.