This is a family plan; the bronze plans are $2400 or so a month. But that means a huge deductible; for a high-needs family, it works out worse financially.

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raw_anon_1111 14 hours ago | parent | next [-]

When I compared plans at work over the years, I’ve found that it is rarely cheaper to do low deductible/higher monthly costs than higher deductible /lower monthly cost + pay deductible out of pocket.

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ceejayoz 14 hours ago | parent [-]

That will vary from person to person.

In our case, we tend to hit the max out-of-pocket pretty fast.

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raw_anon_1111 13 hours ago | parent [-]

Is that still cheaper than high deductible + HSA contribution to cover the deductible?

	▲	ceejayoz 13 hours ago \| parent [-]
		Yes. Substantially so, in my case. Likely not for many, but I definitely did all this math annually.

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bdangubic 13 hours ago | parent | prev | next [-]

Both my wife and I have been contractors for decade+ and have been with Kaiser and are paying $1.1k/month for Bronze-ish plan (1 child)

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raw_anon_1111 13 hours ago | parent [-]

How does that work if you have a pre-existing condition? I am honestly curious

	▲	ceejayoz 13 hours ago \| parent \| next [-]
		ACA-compliant plans can't deny or change pricing for them. It was a good change, but it needed the individual mandate to function successfully. That got removed.
	▲	bdangubic 10 hours ago \| parent \| prev [-]
		ACA put a stop to that

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14 hours ago | parent | prev [-]

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