Best plan for self-employment w/ chronic condition?

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Howdy,

I (28 years old) recently left my job voluntarily to pursue self-employment, and wonder what the best insurance plan would be for me.

Currently, I’m using my former job’s health insurance through COBRA, which has the following costs:

  • Monthly costs
    • Premiums: ~$650 per month
    • Insulin (for diabetes): ~$25 per month
    • Blood sugar monitors (for diabetes): ~$80 per month
  • Annual costs
    • Preventive endoscopy: ~$200 per year (mostly covered by plan)
    • Preventive eye exam: ~$15 per year
    • Miscellaneous blood tests, endocrinologist visits, and copays: ~$200 per year
  • Combined monthly cost: ~$790 per year

The plan itself (Anthem Blue Cross PPO) has:

  • Deductible: $150 per year
  • Out-Of-Pocket Max: $2000 in-network, $6000 out-of-network
  • Copays: $10 copays for primary-care and specialists

Given the plan info above, and the fact that I have a couple of conditions to manage (diabetes prescriptions, preventive endoscopies), do you think there’d be a cheaper plan for me on the marketplace?

Or would my COBRA-based plan be the best plan going forward?

EDIT: I am in the state of New York.

submitted by /u/ntide
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Howdy, I (28 years old) recently left my job voluntarily to pursue self-employment, and wonder what the best insurance plan would be for me. Currently, I’m using my former job’s health insurance through COBRA, which has the following costs:
Monthly costs
Premiums: ~$650 per month Insulin (for diabetes): ~$25 per month Blood sugar monitors (for diabetes): ~$80 per month
Annual costs
Preventive endoscopy: ~$200 per year (mostly covered by plan) Preventive eye exam: ~$15 per year Miscellaneous blood tests, endocrinologist visits, and copays: ~$200 per year
Combined monthly cost: ~$790 per year
The plan itself (Anthem Blue Cross PPO) has:
Deductible: $150 per year Out-Of-Pocket Max: $2000 in-network, $6000 out-of-network Copays: $10 copays for primary-care and specialists
Given the plan info above, and the fact that I have a couple of conditions to manage (diabetes prescriptions, preventive endoscopies), do you think there’d be a cheaper plan for me on the marketplace? Or would my COBRA-based plan be the best plan going forward? EDIT: I am in the state of New York.
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