Affordable Health Care Act

earlvillestu wrote:
"Total out of pocket" is not the same as "deductible." There is no ACA compliant plan that doesn't "pay a dime" until the policy holder has spent $13,000.

Don't exactly know what you are referencing. I looked at the plans available under the Montana exchange and for the two of us, the silver plans run about $1100 per month, plus have a $3250 deductible before hitting the co-pay benefits. That means putting out over $16,000 per year before benefit 1. Our current BCBS plan is cheaper with better coverage, but might be discontinued. If so, we would have to look to take on an exchange plan and pay more for less. Wonderful system. BTW, I have been trying since the exchange went live to enter an application to see if we will qualify for a subsidy, or if I can create a small business plan that will be cheaper than my individual plan and I cannot find a way to get past the "we are busy and will transfer you as soon as possible, don't log out or you will lose your place in line" page. I left it up for two hours last night, from 11:30 PM to 1:30 AM Mountain time, and never got transferred. Called the help number and got a message saying they servers are overloaded, it is a known problem, and they are supposedly working on it. Hasn't inspired a lot of confidence to me.