[blobbers]

If you're in the bay area, you made it to USA and therefore have "good" health insurance. Try paying for your own health insurance out of pocket if you lose your job, and you'll quickly realize that same insurance google provides will cost you upwards of $2500 / month without any copays or deductibles.

You get access to it when you need it IF you have paid for insurance. Otherwise, maybe you're on a bronze plan and whatever specialist you need to see costs $10K out of pocket, on top of the $30K in coverage you already have to pay just for base insurance.

[toast0]

> You get access to it when you need it IF you have paid for insurance. Otherwise, maybe you're on a bronze plan and whatever specialist you need to see costs $10K out of pocket, on top of the $30K in coverage you already have to pay just for base insurance.

When I was shopping, I didn't see any difference in coverage by changing the metal. I went with the Bronze, because it had the least total for monthly costs + out of pocket max, which in theory means if I don't use much, I pay less, and if I cap out, I pay less. The other metals make more sense, IMHO, if you have a lot of contact with the medical system, but not enough to hit the out of pocket max. Of course, employer based plans can be a lot better than marketplace plans, most/many marketplace plans don't over coverage out of your home area/state, where a lot of employer based plans have nationwide coverage. It's a mess.