Notice the 12.5k is the deductible. The max out of pocket is likely much higher. Since it was grandfathered in it doesn't have to offer all the benefits of the

Notice the 12.5k is the deductible. The max out of pocket is likely much higher. Since it was grandfathered in it doesn't have to offer all the benefits of the ACA. I'm not sure if a grandfathered plan can have a maximum payout, but if it does that would explain the low cost. Years ago I had a plan like this, it was cheap because they'd only pay a maximum 100k per year.