I'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 bi

I'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)