[Edison]

So I did the calculation...at first I was whoa, that is cheaper and then I read the other print which would make my silver plan cost upwards of 23k. Catastrophic plans for young people put them out 12k in expenses before they get any coverage.

Unsubsidized annual health insurance premium in 2014:
$9,751
Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:
None
Amount you pay for the premium:
$9,751 per year

And now the other print.

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $12,700. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.

Other Coverage Options

Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.

[Fawn]

Don’t forget about the credits/subsidies that most people will get at the end of the year...

[sanjuanbob]

If someone smokes pot but not cigarettes, (Colorado and Washington) can they state that they’re a non tobacco user and get the preferred rates?

[C. Edmund Wright]

With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.

Which is so ironic, because similar plans are available now on the private market and are much less expensive - have a health savings account component and in the long run better - than more expensive plans that cover every little thing. And yet, we are told, that Obama Care will make such private plans illegal.

[VerySadAmerican]

Republicans should be telling stories like this on the house and senate floor.