Currently sitting in my comfy chair trying to decide on a ACA plan for this year for my family of 4. Last year we were on a silver plan, but this year I’m seriously considering a bronze.
From how I’m looking at it, we stand to save about $2k IF we have the same usage as we did last year by switching. By my calculations from the visits we had, we would have paid just over $1k to various providers if we needed to pay out of pocket and by switching, we would save $3k total in premium over a 12 month period. Everything else seems to be the same as far as deductible and max out of pocket between my Bronze and silver options.
Is there anything I’m not considering here? The main gamble seems to be the possible increase intermediate Dr. visits throughout the year.
Thanks in advanced!
submitted by /u/Mgbracer80
[link] [comments]
Currently sitting in my comfy chair trying to decide on a ACA plan for this year for my family of 4. Last year we were on a silver plan, but this year I’m seriously considering a bronze. From how I’m looking at it, we stand to save about $2k IF we have the same usage as we did last year by switching. By my calculations from the visits we had, we would have paid just over $1k to various providers if we needed to pay out of pocket and by switching, we would save $3k total in premium over a 12 month period. Everything else seems to be the same as far as deductible and max out of pocket between my Bronze and silver options. Is there anything I’m not considering here? The main gamble seems to be the possible increase intermediate Dr. visits throughout the year. Thanks in advanced!
submitted by /u/Mgbracer80 [link] [comments]Read Morer/HealthInsurance