Health insurance on the road

westernrvparkowner wrote:
You are getting a government subsidy for your plan. My plan with the $1400.00 premium is a PPO Silver Plan with a $5000 deductible and a maximum out of pocket of $6500 per person. It does cover the first three doctor visits, lab tests with a 20% copay and drugs are tiered with a copay. I am probably going to move to a PPO Bronze plan because I will save nearly $450 a month, but we will no longer have any drug coverage or lab coverage. The deductible will increase, and the copays for covered events will also increase. Just an FYI, the cheapest Gold Plan available to me is $1857.00 per month. As for age, both my wife and I are Sub 60, by a few years.

Your premiums are based on your income. This is mandated by the Gov't. If you'all are 65 or over, your drug prescriptions out-of-pocket are capped @ a $2,500.00 annual maximum per person. In the meantime, prescriptions are dirt cheap when you're with an ACA sponsored healthcare plan. I suggest you shop and buy your BCBS Plan through the dot gov website. It's way cheaper. Unless you've got ongoing medical issues, Bronze is what makes most sense to the well-heeled set of folks.