$500/mo/person for ACA (Obamacare) HMO Silver Plan in Illionois. It comes out to $12,000 per year for a family of two adults, no kids. This is fully out of pock

$500/mo/person for ACA (Obamacare) HMO Silver Plan in Illionois. It comes out to $12,000 per year for a family of two adults, no kids. This is fully out of pocket without subsidies. HMO means you have to go to specific providers, and get referrals for any specialists. Silver plan means the deductible is about $2000 per person before insurance starts paying, then various levels of co-insurance until you hit a spending cap of about $7000 per person. Only family doctor and referral specialist visits are fixed price, at $30 and $60 fixed copay, respectively. EDIT: comparatively speaking, a PPO silver plan (you get to choose your own doctor) would go up to about $800/person/month. And a gold plan with lower deductibles and lower coinsurance would be $1000/person/month and more. Basically, if you end up going to a doctor for anything serious, you end up paying $thousands out of pocket anyway, whether due to monthly premiums on gold, or deductible on lower plans.