Health Insurance in openmarket place, very expensive, please help

[abulu]

vammo endi vay itla vunayi. Employer mara, his insurnace iscostly in open enrollment kosam wait chesthe intha range lo vundi. Is this common ? 

30K Per year ela ayindi, epati nunchi?

Low:

Molina Healthcare

Core Care Bronze 2

• Metal Level: BronzeBronze
• New plan - Not rated

Compare

Monthly premium

$971.88

Plan DetailsEnroll

Deductible

$16,000

Family Total

Out-of-pocket maximum

$17,100

Family Total

Estimated total yearly costs

$23,305

Edit

Copayments / Coinsurance

Emergency room care

50% Coinsurance after deductible

Generic drugs

50% Coinsurance after deductible

Primary doctor

50% Coinsurance after deductible

Specialist doctor

50% Coinsurance after

 

 

Medium:

BlueEssentials HD Bronze 5

• Metal Level: BronzeBronze
• Quality Rating: 3 of 5 stars

Compare

Monthly premium

$1,089.61

• Eligible for a Health Savings Account

Plan DetailsEnroll

Deductible

$13,700

Family Total

Out-of-pocket maximum

$13,700

Family Total

Estimated total yearly costs

$23,080

Edit

Copayments / Coinsurance

Emergency room care

No charge after deductible

Generic drugs

No charge after deductible

Primary doctor

No charge after deductible

Specialist doctor

No charge after deductible

Plan features

• not includedAdult Dental
• not includedChild Dental

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High:

 

BlueEssentials Gold 2

• Metal Level: GoldGold
•  

Quality Rating: 3 of 5 stars

Compare

Monthly premium

$1,623.87

Plan DetailsEnroll

Deductible

$4,000

Family Total

Out-of-pocket maximum

$11,200

Family Total

Estimated total yearly costs

$27,089

Edit

Copayments / Coinsurance

Emergency room care

$300 Copayment with deductible/30% Coinsurance after deductible

Generic drugs

$20

Primary doctor

$20

Specialist doctor

$40

Plan features

• not includedAdult Dental
• not includedChild Dental

Add Your Medical Providers

Add your medical providers and we'll show you which plans cover them

Add Your Prescription Drugs

Add your prescription drugs and we'll show you which plans cover them.

[abulu]

LTT

[soodhilodaaram]

8 minutes ago, abulu said:

LTT

healthcare.gov or GobamaCare is pretty much useless, cant you directly look for plans within the BCBS site in your state

[soodhilodaaram]

Just now, soodhilodaaram said:

healthcare.gov or GobamaCare is pretty much useless, cant you directly look for plans within the BCBS site in your state

you are better off saving that money into a health savings account and pay towards cost as cash payments if you dont have chronic conditions

[Spartan]

Trump tata kuda ade annadu...BamaCare is useless and costly ani..

second term lo lepi mingutadu....SCOTUS kuda in pocket now.

[abulu]

1 hour ago, soodhilodaaram said:

healthcare.gov or GobamaCare is pretty much useless, cant you directly look for plans within the BCBS site in your state

Thank you brother: 

$1,623.87

Plan DetailsEnroll

Deductible

$4,000

Family Total

Out-of-pocket maximum

$11,200

Above is healthcare gov quote. total max: 35000

Below is BBS Quote. 

1100$ per month. 

deductable: 6000

out of pocket: 6000. 

ekada = 25000.

 

 

 

 

[Moon_Walker]

Basically ee desham Insurance unna leka poina bankruptcy guarantee...system is designed for looters

[zarathustra]

Thanks to my wife, I have an insurance policy with zero downpayment or copay for medical, dental and vision. 

[ilakatamaflia]

Go to individual healthcare providers , from ur state ,talk to them and buy frm them.

nenu last year varaku healthgov lo tiskunna indivudal konchem expensive ee unde but last yr , one of the representative frm the same care provider whoch i used to buy from healthgov called me and asked why u r doing it frm that site and told as being immigrant we are not eligible for the benefits provided by the gov site , so talk to indivudal providers and wrk out ani adviced,

so i spoke to few of them just for second opinion and rates are less and all adviced if i can afford a little more out of pocket then premim wll decrease a lot & alwayz prefer in network docs ... ivvani katal padda kooda almost 5-6k per year - individual plan.

 

[ilakatamaflia]

Still LTT, even wanna know .. if any advices /suggestion on health insuranc ein this contry 🙏

[ilakatamaflia]

2 minutes ago, ilakatamaflia said:

Go to individual healthcare providers , from ur state ,talk to them and buy frm them.

nenu last year varaku healthgov lo tiskunna indivudal konchem expensive ee unde but last yr , one of the representative frm the same care provider whoch i used to buy from healthgov called me and asked why u r doing it frm that site and told as being immigrant we are not eligible for all the benefits provided by the gov site , so talk to indivudal providers and wrk out ani adviced,

so i spoke to few of them just for second opinion and rates are less and all adviced if i can afford a little more out of pocket then premim wll decrease a lot & alwayz prefer in network docs ... ivvani katal padda kooda almost 5-6k per year - individual plan.