[joesmo]

Yes, but I'm sure that includes health insurance not on the Platinum level (pays 90-100% of costs) which is even worse than what is described above and truly only for catastrophes. In New Jersey, there is no Platinum health plan < $500 per person and most of the plans, even at the Platinum level, still have outrageous out of pocket maximums, deductibles, or limits on coverage. For example, in New Jersey out of half a dozen or so Platinum plans only one has a nationwide network. It wouldn't matter for a person who gets sick on these non platinum plans because having to pay 20-50% of the whole bill with such high out of pocket maximums will most likely bankrupt anyone who can't afford the premium for more expensive plans.