[WayneS]

What is her deductible? And after the deductible, what percentage of costs does her policy cover?

[freeandfreezing]

Based on the Colorado connect for health website, the plans that cost $300 per month for a 51 year old person have a $5000 deductible, and 30% coinsurance after that. They also appear to allow providers to balance bill the patient. There is a $6350 out of pocket limit per person.

So before the insurance pays for anything other than the mandated tests, Ms. Willmus will have to pay out $5,000 in addition to whatever premiums she pays before the claim occurs.

There is no out of network coverage, except for emergency room care or transport, so in the event she needs to see a specialist outside of her network she's uninsured. Instead of the old limits on coverage, she'll have none at all when she needs it most.

Every teacher's union health insurance plan I have ever seen has much lower deductibles, and much better coverage than what Ms. Willmus has signed up for.