Originally Posted by FIRE'd@51
If this is the case, no one should sign up for anything but a Bronze plan, regardless of their health. In fact, why bother to offer Silver, Gold, and Platinum plans? It will be interesting to see the breakdown of the enrollees in the different metals.
I do believe you have it surrounded.
Pricing for all the plans I evaluated look like the cost of catastrophic care, plus prepayment for some anticipated usage. That is, the Bronze plan annual cost is about the cost of catastrophic care, plus the cost for a physical, some labs, and vaccinations, for the 'typical' adult. Moving up to higher tiers, the plans have costs that are effectively prepaying for several physician visits, prescriptions, and other services.
If some really have a lot of time on their hands, and are a heavy user of medical services, they could write a spreadsheet that would let them pick an optimal plan for their (high) use of medical services, taking copays and deductibles into account.
Folks in reasonably good health can just go with a Bronze HSA plan and bank the savings over that Platinum plan for use against future medical expenses or Medicare premiums.