My plan from blue cross blue shield of TN (none ACA) always had out of pocket max. It is $3000 for each member or $6000 for the family.

I have personal coverage from my work. It's $1020, a month, to add my wife and kid on through work. ACA plan (same eveything) was $367 a month. However this had an "E" network and i could not find one doctor to accept this insurance. The same plan in the "S" network was $417 a month. The same plan under the "P" network was $468 a month. All of our doctors take the S and P plans. So explain to me how our company has to pay over double the amount for my family. This does not make any since.

I went with the "s" network. No reason to pay any more than i have to for the same coverage.

No mine is a real plan too

35/50 co pay for doctor visits*
3/35/50 for drug*
20% co-insurance/co-pay (does not apply to doct visits or drugs)
2000/4000 deductable

29 year old female
<1 male


* - the things the crap plans do not have.

Now the insurance company wants to hurry and lock in there new rate Dec 31st. I think they are ripping use off. But what can you do when the insurance underwrite is our CEO's neibor. Some how he has to pay for that big house on the mountain.