Here is the cheapest plan available to me on the exchange. Similar prices for private insurance. As a matter of fact, this is private insurance offered on the exchange. I am not eligible for "Obamacare" as my wife has private insurance through her job. Her employer will not take me. You will notice this does not pay for ANYTHING until I have spent $6300.00
Humana National Preferred Bronze 6300/6300 Plan
POS Point of Service: A type of plan in which you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans also require you to get a referral from your primary care doctor in order to see a specialist. | Bronze Plans are put into 5 categories. These 5 categories (catastrophic, bronze, silver, gold, and platinum) are based on how you and the plan expect to share the costs for health care. Bronze plans cover 60% of the total average cost of care. The category you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescription drugs. It also affects your total out-of-pocket costs - the total amount you'll spend for the year if you need lots of care.
Humana Employers Health Plan of Georgia, Inc.
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Monthly premium
$459/mo
One enrollee
Deductible The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won't pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.
$6,300/yr
Per individual
Out-of-pocket Maximum Your expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.
$6,300/yr
Per individual
Copayments/Coinsurance: A copay is a fixed amount (for example, $15) you pay for a covered health care service, usually when you get the service. The amount can vary by the type of covered health care service. Coinsurance is your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you've met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.
Primary Doctor: No Charge after Deductible
Specialist Doctor: No Charge after Deductible
Generic Prescription: No Charge after Deductible
ER Visit: No Charge after Deductible
