[ceejayoz]

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.

[raw_anon_1111]

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.

[ceejayoz]

That will vary from person to person.

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

[raw_anon_1111]

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

[ceejayoz]

Yes. Substantially so, in my case.

Likely not for many, but I definitely did all this math annually.

[bdangubic]

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)

[raw_anon_1111]

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

[ceejayoz]

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]

ACA put a stop to that