4 ms·
I came to this conclusion myself a few months ago, that getting the cheapest plan and hitting the max out of pocket every single year is the cheapest course of
by thebean11 6y ago
I came to this conclusion myself a few months ago, that getting the cheapest plan and hitting the max out of pocket every single year is the cheapest course of action if you buy your own insurance plan.
Kind of figured there was a catch though, maybe not!
- toast0 6y agoYeah, as far as I could tell when shopping for exchange plans, they all mostly cover the same stuff, and once you pick the company and HMO/EPO/PPO the metal choice definitely doesn't change what's covered or the provider network. At that point, different metals might hit the out of pocket max sooner, but I just went for the one with the least total of premiums and out of pocket max, which was also the one with the least total of premiums, so I save money if I don't use it or if we hit the cap.
- marketingPro 6y agoOnly difference is who is in network.