daylatedollarshort
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Feb 19, 2013
- Messages
- 9,358
Main difference between the Silver and more expensive or less expensive plans appears to be higher co-pays. They all have the same out-of-pocket maximums. But the difference in monthly premiums, depending on age, is greater than the difference in the different co-pays.
So why get higher plans unless you expect to use medical services at least twice a month?
For people who are self employed, health insurance premiums may be a deductible business expense while co-pays would not be. So in that case the higher cost plans may be a more tax efficient option for some.