If you're in your early 20s, sure ... you can probably go with the bronze (The Blue Choice HSA looks best). It all depends on your anticipated medical costs.

Personally, the best deals look to me to be the Blue Choice Silver or KP VA Silver plans. If it were me (an older person, but not quite yet eligible for medicare, I'd take either of the Gold Plans in a heartbeat).

I would go with one of the Silver plans that has a lower deductible and out-of-pocket max. I hate to say it, but at 45, stuff begins to happen, and you may just find yourself having larger medical bills than you did in the past. If you don't, that's great, and you can use the insurance just for the free preventative stuff and not have to pay any deductible or co-insurance at all. But any of us can get mowed down by a bus at any time, or come down with a case of pneumonia that requires a hospital stay. Insurance is insurance: cover yourself well, for what you can afford.

Deductibles (per year):
Medical deductible (family total) $1,800
Medical deductible (per individual) $900
Prescription drug deductible (family total) Included in Medical
Prescription drug deductible (per individual) Included in Medical
Out-of-pocket maximum (per year):
Out-of-pocket maximum (family total) $10,400
Out-of-pocket maximum (per individual) $5,200
Health care out-of-pocket maximum (family total) $10,400
Health care out-of-pocket maximum (per individual) $5,200
Prescription drug out-of-pocket maximum (family total) Included in Medical
Prescription drug out-of-pocket maximum (per individual) Included in Medical
Copayments/Coinsurance:
Primary doctor $30 Copay after deductible
Specialist doctor $40 Copay after deductible
Inpatient doctor 20% Coinsurance after deductible
In-Patient facility 20% Coinsurance after deductible
Emergency room 20% Coinsurance after deductible
Generic prescription 20% Coinsurance after deductible
Preferred brand prescription 30% Coinsurance after deductible
Non-preferred brand prescription 50% Coinsurance after deductible
Specialty prescription 50% Coinsurance after deductible

My doctor told me things would show up after 50 and sure enough a couple did. Minor enough, but it doesn't take much to add up to $1500. The one with the 1400 deductible $2 per month more than one with $900 is kind of strange, it doesn't seem to have any advantage. I'd say get the lowest deductible, because if some issue does happen, it's going to cost more than 1500 but less than 5 every time. And with something serious, who needs to owe 5K.

like i said i dont know squat about insurance 8-(

Except for a few services, which are always covered.

If you have no current issues, get the cheapest, you can always change it later and get lower deductibles as you get older.

what I dont know is how often can you change your plan, probably only once a year, so yeah get the cheapest for now

the $59 one looks the best for you now...make sure and see if it restricts which doctors you can get \

which by the way HMO's have always done, nuttin to do with Obamacare

Deductibles (per year):
Medical deductible (family total) $8,000
Medical deductible (per individual) $4,000
Prescription drug deductible (family total) Included in Medical
Prescription drug deductible (per individual) Included in Medical
Out-of-pocket maximum (per year):
Out-of-pocket maximum (family total) $12,700
Out-of-pocket maximum (per individual) $6,350
Health care out-of-pocket maximum (family total) $12,700
Health care out-of-pocket maximum (per individual) $6,350
Prescription drug out-of-pocket maximum (family total) Included in Medical
Prescription drug out-of-pocket maximum (per individual) Included in Medical
Copayments/Coinsurance:
Primary doctor $30 Copay after deductible
Specialist doctor $40 Copay after deductible
Inpatient doctor 30% Coinsurance after deductible
In-Patient facility 30% Coinsurance after deductible
Emergency room 30% Coinsurance after deductible
Generic prescription 20% Coinsurance after deductible
Preferred brand prescription 30% Coinsurance after deductible
Non-preferred brand prescription 50% Coinsurance after deductible
Specialty prescription 50% Coinsurance after deductible

And it goes to illustrate how INSANE it is we have to pay a middle person company a profit to provide us with what is a right in the rest of the civilized world.

Maddening...in fact

for this. but in the end its probably a better idea then not and it will help to piss off the righties.

a month extra you get a $2000 less deductible. That sounds like a good deal to me.

please take everything I say with a grain of salt (or a shaker full).


It seems to me that at age 45 with no real medical problems, and a subsidy of only $150.00, that either the $59.00 Bronze plan or the $159.00 Silver plan would be good choices.


That bronze plan lowers your deductible by $2000,00 over the $50.00 one and only increased the out of pocket max. by $350.00.


The silver plans all have lower deductibles and costs based on income. They are the better deal for you if you don't mind spending more monthly on premiums.

You should hit that Details button and filter through each plan you are interested in. Something might pop out at you. If you have some back issues that you deal with and figure you don't really need a doctor for, you might find one covers it and the others don't. Maybe there is a history of some health issue in your family. You want to see if one plan is better than the others for something you might have a higher risk for.


The main thing is to get covered. The open enrollment starts up again in the fall so you can change coverage then. If you have not seen a doctor recently it might be smart to go for higher coverage now, get checked out asap and then lower coverage later assuming you are OK.


No matter what, I wish you good luck.



Edit to change "Drop coverage" to "Lower coverage". Poorly phrased that sentence (sorry).

im thinking about going for a silver plan for now. its probably better to have too much coverage then not enough.

the hsa silver 1300


Deductibles (per year):
Medical deductible (family total) $1,800
Medical deductible (per individual) $900
Prescription drug deductible (family total) Included in Medical
Prescription drug deductible (per individual) Included in Medical
Out-of-pocket maximum (per year):
Out-of-pocket maximum (family total) $10,400
Out-of-pocket maximum (per individual) $5,200
Health care out-of-pocket maximum (family total) $10,400
Health care out-of-pocket maximum (per individual) $5,200
Prescription drug out-of-pocket maximum (family total) Included in Medical
Prescription drug out-of-pocket maximum (per individual) Included in Medical
Copayments/Coinsurance:
Primary doctor $30 Copay after deductible
Specialist doctor $40 Copay after deductible
Inpatient doctor 20% Coinsurance after deductible
In-Patient facility 20% Coinsurance after deductible
Emergency room 20% Coinsurance after deductible
Generic prescription 20% Coinsurance after deductible
Preferred brand prescription 30% Coinsurance after deductible
Non-preferred brand prescription 50% Coinsurance after deductible
Specialty prescription 50% Coinsurance after deductible

I know you're not having an issues right now & that's good. My husband was fine, no issues, right up till the night he had a heart attack--2 weeks before our insurance kicked in.

You never know when you're gonna fall down the stairs or off a ladder etc..

Without seeing any of the details the Blue Choice Silver 2000 looks ok..

You can get your prescriptions without having meet the deductible as well as see your pcp.

Prescriptions are usually an issue for people. That was one of the things I looked for when I looked--a plan where the Rx wasn't included in the deductible.

Good luck.

cant tell what the difference is between this and the silver 1300



Deductibles (per year):
Medical deductible (family total) $2,800
Medical deductible (per individual) $1,400
Prescription drug deductible (family total) Included in Medical
Prescription drug deductible (per individual) Included in Medical
Out-of-pocket maximum (per year):
Out-of-pocket maximum (family total) $10,400
Out-of-pocket maximum (per individual) $5,200
Health care out-of-pocket maximum (family total) $10,400
Health care out-of-pocket maximum (per individual) $5,200
Prescription drug out-of-pocket maximum (family total) Included in Medical
Prescription drug out-of-pocket maximum (per individual) Included in Medical
Copayments/Coinsurance:
Primary doctor $30
Specialist doctor $40 Copay after deductible
Inpatient doctor 20% Coinsurance after deductible
In-Patient facility 20% Coinsurance after deductible
Emergency room 20% Coinsurance after deductible
Generic prescription $10
Preferred brand prescription 30% Coinsurance after deductible
Non-preferred brand prescription 40% Coinsurance after deductible

I am 43, with a pre-existing condition. I went with a silver plan, have seen a doctor, and am pleased.

Do one thing before you sign up. Look and make sure there are doctors who participate in the plan beforehand. Some of the plans have very little by way of local doctors.

will the website list doctors? i havent made it that far yet.

im almost settled on the silver 1300

If not, go to the insurance co's website and look for participating doctors using the plans name. I almost screwed up and went with BCBS, and there wasn't a doctor participating within 50 miles (at the time I signed up).

430 results found within a 10 mile radius.

Silver 1300..deductible is $900

Silver 2000...deductible is $1400

Second difference..

Silver 1300...you have to meet your deductible before 20% coinsurance for PCP as well as generic RX

Silver 2000....no deductible to see your PCP a copay of $30 & generics are $10 not subject to deductible.


I'm not overly impressed with their rx coverage...I'd rather not have to meed a deductible for a rx. Not everything has a generic---BUT at least you have $10 generics not subject to the deductible.

the website wants to verify my identity but when i called the number they gave me the lady didnt see my application so she had me call the marketplace phone and that place is busy so they have to return my call within 7 days.

my fault for waiting till the last minute i guess

I had put one on my credit report due to fraudulent activity, and that was the identity snag I hit with sign-up. Just had to call the credit reporting agencies and have it temporarily lifted.

Hope you get this kink worked out.

I am also last minute too, still mulling over deductibles and cost.

you are essentially throwing away the premium every month, since if you are healthy you will never ever get any use out of the insurance. If you do have a health issue, break a limb or something, you'll find yourself thousands of dollars in debt.

This whole system SUCKS. Why can't we have a REAL healthcare system like every other industrial country on the planet? Just so the wealthy can pocket more of our labor and money? Fuck.

I'd go with the one with the $900 premium if you can afford that extra $100 a month. Otherwise get the cheapest and take up prayer or something.