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[Ms. Toad]

98. I don't know what options you had when you obtained insurance -

but when I choose insurance I take into account what I expect to need.

For everyone in our family currently, we would buy a high deductible policy - with the deductible approximately the same as the out of pocket max. We know that we'll hit it during the year and the premiums are WAY cheaper than policies which start paying earlier. Like hundreds a month instead of around 1000.

If any of us ever gets to the point where we don't need much care we'd have to re-evaluate that. But for us there is no benefit to paying more for premiums on top of lots of out of pocket expenses.

I'm only mentioning this here, since it is the kind of evaluation everyone will need to do who buys from one of the exchanges - teasing out whether it is worth the increased price on premiums to get a policy that pays out earlier.