[Mygirlsmom]

$400/ month for what? If the deductible is high, then it could be likely that continuing to pay cash out of pocket is preferred to cash out of pocket plus $400/month down the toilet.

[Zhang Fei]

$400/ month for what? If the deductible is high, then it could be likely that continuing to pay cash out of pocket is preferred to cash out of pocket plus $400/month down the toilet.

Come to think of it the Kaiser calc is for the Silver plan. She signed up for a Gold plan (lower co-payments and deductibles). Maybe that's some significantly higher number.