2 ms·

In my experience in west and northeast coast states, the plans are the same assuming they are ACA compliant. The employer even shows the same gold/silver metal

In my experience in west and northeast coast states, the plans are the same assuming they are ACA compliant. The employer even shows the same gold/silver metal level labels when you select a plan, and I’ve always had BCBS plans, which has the same networks via employer or via healthcare.gov They only things that I expect to change are total premium, deductible, out of pocket expense, copays, and network. Otherwise, the coverage itself is dictated by the same law. I can see right now that the BCBS gold HSA premium from my employer (total, including employer portion) is the same as the BCBS gold HSA available on healthcare.gov.

brianwawok 2y ago
Reimbursemenet rates are not the same. Some doctors will accept 1 and not the other. I used a hospital for a new baby birth. Because my plan was on-market, the provider doing delievery didn't accept it (Despite it being on the in-network list). So I got to be stuck with a ~13k bill. Was super cool. This was back ~8 years ago, so perhaps it's all been sorted.. but I have such a bitter taste in my mouth after having to pay this out of pocket, I won't touch on-market plans with a 100 foot pole.