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Old 10-25-2013, 01:00 PM   Topic Starter
Msmith Msmith is offline
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Join Date: Jan 2004
Casino cash: $5165
Ehealth.com provides a window to see how much the health policy really costs

I am not here to suggest ehealth.com is a way to go. But it does gives some cost/benefit comparison at different pricing and levels of the coverage.

Here is the link:https://www.ehealthinsurance.com/fam...allid=eHe29411

I used a family of three, (both parents in 40's, son in early teens) with an family income around $45,000. Then you input the estimation of the subsidy if you qualify.

The cheapest Bronze is $174/mo. The deductible is $5000/$10000 for individual/family. After the deductible is filled then it is 60/40 coinsurance. The highest Bronze is $292/mo. The deductible is $5750/$11500 with 20% coinsurance after deductible.

The cheapest Silver is $331/mo. The deductible is $6000 for family with 10% coinsurance after deductible.

The highest Silver is $400/mo. The deductible is $3500/$7000.

The Gold is $610/mo. The deductible is $750/$1500.

The cost is calculated with the subsidy deduction. In other word, you just pay the listed premium and ehealth will bill the government for the subsidy.

Again, there are other insurance companies that could post similar plans.
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