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52. If your deductible is over $1,000 and you have to meet....

ALL OF IT as is the case in most exchange programs, you might as well factor that in to your premiums. There is also a limit on OP. That limit on the exchange is around $6,000 but if you are eligible for a subsidy then your deductible and OP are subsidized too. This can make a huge difference in your monthly costs and different plans vary greatly on the exchange.

The plan I chose with the subsidies I was eligible for is as follows.

Mo Premiums $222 without subsidy $802
deductible 750 without subsidy $2500
out of pocket 2000 without subsidy $6,000

Until I meet my deductible the policy pays nothing. That is typical of the policies on the exchange. However, once I meet my deductible and max out my out of pocket the policy will have to pay 100% of my medical costs including co-insurance but excluding co-pays.

Without this information the cost of a premium is only half the story. Each plan is different. If you know that you are ill and will be meeting your limits every year it may pay to take a plan that has higher co-insurance on your part because the premiums, deductibles and OPs are very low and you will meet them quickly. Then the policy will have to pay 100%. You really need to have all three variables in order to determine what your health insurance costs will be for the year.