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Health Insurance in openmarket place, very expensive, please help


abulu

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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
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:

  • Metal Level: BronzeBronze
  • Quality Rating: 3 of 5 stars
star-filled-da3764c8512ce253eee44300aa4estar-filled-da3764c8512ce253eee44300aa4estar-filled-da3764c8512ce253eee44300aa4estar-46d7f982a15fc22a064235ce567081aa.svstar-46d7f982a15fc22a064235ce567081aa.sv
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Monthly premium
$1,089.61
  • Eligible for a Health Savings Account
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
  • x-cb33ca12199cce57806dc41320c1bc90.svgnot includedAdult Dental
  • x-cb33ca12199cce57806dc41320c1bc90.svgnot includedChild Dental
Add your medical providers and we'll show you which plans cover them
Add your prescription drugs and we'll show you which plans cover them.

High:

 

BlueEssentials Gold 2

  • Metal Level: GoldGold
  •  
Quality Rating: 3 of 5 stars
star-filled-da3764c8512ce253eee44300aa4estar-filled-da3764c8512ce253eee44300aa4estar-filled-da3764c8512ce253eee44300aa4estar-46d7f982a15fc22a064235ce567081aa.svstar-46d7f982a15fc22a064235ce567081aa.sv
Compare
Monthly premium
$1,623.87
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
  • x-cb33ca12199cce57806dc41320c1bc90.svgnot includedAdult Dental
  • x-cb33ca12199cce57806dc41320c1bc90.svgnot includedChild Dental
Add your medical providers and we'll show you which plans cover them
Add your prescription drugs and we'll show you which plans cover them.
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  • abulu changed the title to Health Insurance in openmarket place, very expensive, please help
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

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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
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.
 
 
 
 
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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.

 

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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.

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