The most expensive plan on my state's marketplace. Honestly, I'm going to have to start selling myself, or my body parts, to be able to afford this shit.
but instead of federal buildings its going to be health insurance companies.
this post was submitted on 15 Dec 2025
84 points (100.0% liked)
chat
8538 readers
385 users here now
Chat is a text only community for casual conversation, please keep shitposting to the absolute minimum. This is intended to be a separate space from c/chapotraphouse or the daily megathread. Chat does this by being a long-form community where topics will remain from day to day unlike the megathread, and it is distinct from c/chapotraphouse in that we ask you to engage in this community in a genuine way. Please keep shitposting, bits, and irony to a minimum.
As with all communities posts need to abide by the code of conduct, additionally moderators will remove any posts or comments deemed to be inappropriate.
Thank you and happy chatting!
founded 4 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
No, we have three separate elements here:
Premium - what you pay monthly, no matter what. The cost of entry.
Deductible - is the amount you have to spend before the insurance "kicks in". For Instance, on this plan, there is $0 deductible, which is VERY rare. In this instance, you'd start paying the co-pays right away. Normally, the deductible is a large amount of money. On those plans, you pay the full negotiated cost of the service, which could be in the hundreds or thousands.
Out of pocket max - this is the total amount you have to pay before the insurance covers everything, co-pays included.
Does it have a separate one for pharmacy out of pocket? Or like the rare 0 deductible also 0 pharmacy
Yes some of the plans specifically have different deductibles for pharmacy and health. This particular one, does not (says health and drug combined).
Nice bonus, but still that out of pocket max is massive for the monthly amount
That's why its platinum coated...
I know, I hate how the American health insurance system works