OOP maximums can be the real killer for those with chronic conditions. But at lower to middle income levels even OOP max isn’t always that bad in ACA plans.
OOP max is just a trade off for higher premiums. Either you pay more per month for lower OOP max, or you pay more when the healthcare expenses happens. They’re all actuarially equivalent, per the metal levels of ACA.
If anything, people should chose the high deductible high OOP max HSA plan so you can take advantage of tax benefits.
Interesting, did not know about that. But 250% of federal poverty level is
> For coverage effective in 2021, 250 percent of the federal poverty level in the continental U.S. is $31,900 for a single individual, $54,300 for a family of three, and $87,900 for a family of six. (These amounts are higher in Alaska and Hawaii, since they have higher federal poverty levels).
That’s rough for a household of two, especially if they live in a high tax state.
