Originally Posted by suzzer99
What I thought he was saying is that they gave him the choice of a high deductible plan, or getting his own insurance and receiving a credit. That would actually be a pretty good option - as the big drawback in the past was that if you try to get your own insurance you have to worry about pre-existing conditions. But now it's like everyone is on a big group plan, so I wouldn't be surprised if some companies start doing that.
Mine has gone to a HDP and LDP plan, but the difference in deductible is so small and the cost so great that you might as well go with the HDP. Compound that with a well stocked HSA and the deductible no longer matters for me. As you know, the AHCA has made it illegal for heath insurance companies to deny individuals, just like group plans, for pre-existing conditions.
I think what people often forget in group plans that even though you pay a co-pay, premiums, and deductibles is that it was still subsidized by the company. Few realize that they are not paying full price on a company plan.