I agree it's too early to tell if it will work. But, it did work for me. I'm 50 have high blood pressure and cholesterol Through my state run exchange I was able to find a plan that was about 235 dollars cheaper up front and has better coverage. Because of my income I will also be getting a incentive and that means I'll be saving 318 total each month. But, my deductible did go up by 1000 dollars. However, because the new plan has preventive care I will not have to pay for my annual blood test and that will save me 150 a year. And, then I'm going to open a Health Savings Account with some of the money I save to off set the cost of the higher deductible. And, I did go through a local agent and she assured me that this is a good plan from Blue Cross and that it is good in all states.