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Old 07-13-2020, 10:45 AM   #21
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Join Date: Jan 2013
Location: SoCal, Lausanne
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We buy an off-exchange plan (Circle EPO) directly from OSCAR health that covers most major providers including UCLA Health where our doctors are. We don't have any subsidies so we have been buying from insurance companies directly since early retirement. BCBS is another option, however we had BCBS one year and had many headaches getting them to pay for preventive care. I was tired of dealing with them so we switched to OSCAR.
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Old 07-13-2020, 10:55 AM   #22
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Join Date: Nov 2016
Location: San Jose
Posts: 434
Thanks to everyone for very useful info. It looks like acceptance indeed depend on location. May be doctors has a better choice where many employers are located. Looks like Florida is a better place for RE to this extend.
Retired Sep 2023 @56
Target AA: 50% stock / 20% bond / 30% cash
Target WR: ~3.6%
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Old 07-13-2020, 11:47 AM   #23
Thinks s/he gets paid by the post
Join Date: Feb 2007
Posts: 3,638
When we were using ACA I had to be very careful when selecting a plan. Similar sounding names like ""YourInsure Select" and "YourInsure Connect" where the deductibles and copays were the same and the only difference was one was a much narrower network of providers.

Also, some providers would accept "YourInsure" employer policies but specifically excluded the ACA (Marketplace) policies.

In my experience my doctor's office knew that I had an ACA policy but they would not have known if I was getting a subsidy or how much.
Married, both 68. DH retired June, 2010. I have a pleasant little part time job.
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