More or less this. I am a person who exceeds not just the deductible but the out of pocket max more years than not. The out of pocket max on the bronze plan is

More or less this. I am a person who exceeds not just the deductible but the out of pocket max more years than not. The out of pocket max on the bronze plan is something like $7k and the out of pocket max on the platinum was still $5k, but the premium difference is $900/mo. There are certainly cases where you come out ahead on the platinum but I think they are unlikely for most people.