|
|
|
|
|
|
by lotsofpulp
1266 days ago
|
|
|
You can buy the same health insurance on healthcare.gov that businesses buy from the same insurance companies. They even have metal levels so you know you are getting the same actuarial value. A silver BCBS plan from an employer is basically the same coverage as a silver BCBS plan from healthcare.gov. |
|
|
The state of things here:
1) Most insurers don't offer anything on healthcare.gov. Most years, there are two providers on there, though sometimes one will drop off and another will come in, so it does vary a little year-to-year.
2) Zero insurers here offer individual plans outside hc.gov, so if they're not on there—and most aren't—you can't get one. Seriously. Ask them, ask insurance brokers: "nope, no insurers offer individual plans in this state anymore—if it's not on hc.gov, it doesn't exist"
3) The networks for the hc.gov plans usually suck compared to the ones available to businesses. This may not be captured in the "actuarial value".
4) I've also never seen an employer mention which metal-level their plans is so you can compare them, but maybe they can find out if you ask. I know for a fact the top-level employer plans cost quite a bit more than the best-available plans on hc.gov (and they're waaaaaaay better)
You mention BCBS. They do operate in this state. They are not on hc.gov (not the version we see, anyway) and will not sell you an individual plan outside of it, either.