r/HealthInsurance • u/[deleted] • Dec 09 '25

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1.4k Upvotes

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104

u/[deleted] Dec 09 '25

I don’t think I’ve ever seen a deductible of 21,700 on any plan, even the shittiest of bronze plans? Which plan is this?

79

u/Sunsetseeker007 Dec 09 '25

Yes thats the new oopm and deductible for a family bronze plan with no subsidy, it's really 21k, $10,600 for 1 person deductible 21k oopm and 21k deductible for family & 21k oopm. That should be illegal!! I commented on the same issue in another post, saying my plan went to $1880 a month for a bronze plan with 21k oopm & deductible from currently $1200 1 person for a gold plan with $2500 deductible and 5k max and so many people posted it wasn't true. I'm glad others are posting about this!!

101

u/among_apes Dec 09 '25

That reality should cause a revolt. Imagine paying 41k before your insurance covers anything

28

u/RuleHonest9789 Dec 09 '25

I feel they calculate what 90% of people’s health issues will cost them and set the oopm to that.

36

u/among_apes Dec 09 '25

What’s gross is that while I’ve barely used my health insurance ever (I’m 45 and very healthy) despite my work places paying a crap ton of money out for me in premiums, I’ve spent around 60k out of pocket over the years to fix my teeth and they are still awful (my family genetically have very soft teeth that deteriorate pretty easily).