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<p>[QUOTE="bluumz, post: 4583075, member: 649"]If you're referring to the healthcare marketplace...</p><p>It all depends on the plan one picks, one really has to put some time and effort into researching and choosing correctly. I chose/had a decent, and relatively affordable, Silver plan through the marketplace that I was pleased with.</p><p>Many people were going through insurance brokers instead of purchasing through the marketplace directly. These brokers were luring in customers by "finding" them cheap(er) plans... with poor coverage.</p><p>Back when I was in homecare, I remember delivering a CPAP machine to a customer. He was absolutely livid that he had a 50% co-pay on the device and complained profusely about "Obamacare". He lived in a 4000sq/ft home in an affluent suburb and had taken a Bronze health plan that turned out to have minimal coverage because "that's the plan the insurance guy recommended". <img src="styles/default/xenforo/smilies/rolleyes.png" class="mceSmilie" alt=":rolleyes:" unselectable="on" /></p><p>NOTE: The lower the "metal level" of the plan, the lower your monthly payment is... but the higher your costs are when you use medical services.</p><p>(EDIT: And within each metal level there are differences between plans. IE: Two Silver plans may have the same monthly cost but one has better office visit and procedure coverage while the other has better drug coverage, etc, etc.)</p><p>Never get a Catastrophic plan unless you are healthy and in your 20s.</p><p>(EDIT: The pricing is also based on income. Someone who earns $30,000/year will pay less for the exact same plan than someone who earns $100,000/year.)</p><p>Caveat: My own experience with the marketplace is from ten years ago... I have no experience with what it's like now, but I've heard from a few users that it's actually better than it was.</p><p><a href="https://www.healthcare.gov/choose-a-plan/plans-categories/" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://www.healthcare.gov/choose-a-plan/plans-categories/" rel="nofollow">Understanding Marketplace health insurance categories | HealthCare.gov</a></p><p><br /></p><p><i>My apologies to the OP for my contribution to taking this thread so far off track!</i>[/QUOTE]</p><p><br /></p>
[QUOTE="bluumz, post: 4583075, member: 649"]If you're referring to the healthcare marketplace... It all depends on the plan one picks, one really has to put some time and effort into researching and choosing correctly. I chose/had a decent, and relatively affordable, Silver plan through the marketplace that I was pleased with. Many people were going through insurance brokers instead of purchasing through the marketplace directly. These brokers were luring in customers by "finding" them cheap(er) plans... with poor coverage. Back when I was in homecare, I remember delivering a CPAP machine to a customer. He was absolutely livid that he had a 50% co-pay on the device and complained profusely about "Obamacare". He lived in a 4000sq/ft home in an affluent suburb and had taken a Bronze health plan that turned out to have minimal coverage because "that's the plan the insurance guy recommended". :rolleyes: NOTE: The lower the "metal level" of the plan, the lower your monthly payment is... but the higher your costs are when you use medical services. (EDIT: And within each metal level there are differences between plans. IE: Two Silver plans may have the same monthly cost but one has better office visit and procedure coverage while the other has better drug coverage, etc, etc.) Never get a Catastrophic plan unless you are healthy and in your 20s. (EDIT: The pricing is also based on income. Someone who earns $30,000/year will pay less for the exact same plan than someone who earns $100,000/year.) Caveat: My own experience with the marketplace is from ten years ago... I have no experience with what it's like now, but I've heard from a few users that it's actually better than it was. [URL='https://www.healthcare.gov/choose-a-plan/plans-categories/']Understanding Marketplace health insurance categories | HealthCare.gov[/URL] [I]My apologies to the OP for my contribution to taking this thread so far off track![/I][/QUOTE]
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