5 ms·

I think you need to consider your age and zip code as well. I have a family member who is an insurance broker and she had to factor in age and zip code to give

• perl4ever 6y ago
  Maybe the original anecdote was about a family plan. I interpreted it as not, but then reconsidered. Currently, in an urban area of NY state where I am, a basic family plan is ~$1600 and an individual plan is ~$550. You may say "what about the deductible", but it looks to me like the deductible is effectively only a payment plan. Even if you have a chronic condition, and you know you will go through the deductible for sure, you don't gain anything by paying for a lower deductible. The deductible is nowhere near the difference between $1600 and $4000 anyway.
• lotsofpulp 6y ago
  Yes, with ACA the government basically made it so health insurance premiums are a tax, and young people subsidize old people by capping old people’s premiums as a multiple of young people. Of course, pricing will vary by zip code because healthcare providers cost different amounts in different places, so a rural area might be more expensive where there are fewer doctors who have more negotiating power versus in urban areas where there are more doctors competing.