4 ms·
> I was on the exchanges, unsubsidized, until this year. Last year's premium went from $3,000/month to $3,600/month. I want to know details of your situation,
by BugsJustFindMe 1y ago
> I was on the exchanges, unsubsidized, until this year. Last year's premium went from $3,000/month to $3,600/month.
I want to know details of your situation, because my exchange premiums are like $300/month.
- ceejayoz 1y agoPlatinum plan (which winds up most fiscally responsible for us - we max out the low out-of-pocket-max reliably), four people. Something like a bronze plan wouldn't save us any money; lower premiums trade for high deductibles and copays. Good if you're healthy. https://imgur.com/a/SC3DNTf https://imgur.com/a/SC3DNTf
- deleted 1y ago[deleted]
- BugsJustFindMe 1y agoI'm a little confused. At $3660/month vs $1900 for bronze, that's $21200 more per year than the bronze plan just for the privilege of ever being able to send bills to them even before any actual medicine happens. $21200 is already higher than the bronze family max out of pocket of $18400. Does that not mean your minimum possible cost on platinum is worse than your maximum possible cost on bronze? Bronze premium + max OOP is 41200. Platinum premium alone is 43920 before any care. It seems like you could save a bunch of money on bronze? (goddamn, these costs are fucking bonkers no matter what)
- deleted 1y ago[deleted]
- bix6 1y agoCurious what the details of your situation are and how often you use healthcare?
- bpt3 1y agoEither you have a high deductible, or you're just being subsidized by everyone else. The unsubsidized cost of a standard PPO plan for a family can easily reach $3000 a month. This is situation normal, people just don't see it because their employer is responsible for the cost.
- supertrope 1y agoIn 2024 the average employer family plan cost $25,572. https://www.kff.org/report-section/ehbs-2024-section-1-cost-of-health-insurance/ https://www.kff.org/report-section/ehbs-2024-section-1-cost-...