so what are the prices being offered?
please be as specific as you can.
Bronze $880 a month, deductible $5250 ind/$10500 family, max out of pocket $5250/$10500. You are paying everything until you get to your cap, but you are allowed an Health Savings Account.
Silver 1080 a month. Deductibles $2500/$5000, max out of pocket $4100/8200, you pay 20% after you meet the deductible. Still eligible for an HSA.
Gold 1335 a month (more than my mortgage, taxes and insurance on my last home) Deductibles $1500/3000, out of pocket $4500/$9000. Primary care $10 copay. No HSA.
In the bronze plan you are basically out of pocket unless you have a chronic problem or go to the hospital, then you are in for $16k for one person going in the hospital minus any premium subsidy.
In the silver plan you are paying an extra $2400 a year to have insurance pay for something if you are using more than $5k a year in medical. Might be better if you have kid that likes to go the emergency room, but doesn't get admitted.
The gold plan has a really high family cap and no HSA. Without digging into the plan it would be hard to figure out who this would be an advantage for.
Another question just popped into my head. If you are upper middle class and don't qualify for much or any subsidy, it looks pretty easy to spend over 10% on medical. Is that still tax deductible? I know they bumped the percentage up from 7.5%, but are the rules still the same with the 10% cutoff?