One thing I'm probably doing wrong is that the deductable and out of pocket max are for one person, and the prices are for a policy on a couple and 18yo. I don't know how the family/individual deductable and oopm works. If one person needed big-time care and blew through $5,500, I need to see if the insurance company would start paying, or if we'd need to hit the family deductable/oopm.
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I learned about this when we switched from mega corp coverage to the individual market. Unlike most employer coverage, individual coverage (which is what is in the ACA market place) generally have plans that pay only after the full family deductible is reached . That is if one spouse requires a lot of care the full family OOM must be reached for coverage to kick in .
Seems like I was reading that a lot of folks would be shocked by this in the ACA marketplace. (as well as by the high OOPM)