ACA Marketplace in PA, howzit for you? [View all]

[fencesitter]

I'm in SE PA, the Philadelphia suburbs. After finally getting through the app process, and seeing what subsidy I am eligible for, I checked the companies and their plans offered. I was disappointed to see that the only two companies on the exchange are Blue Cross and Aetna. The same two that dominate the market in this area. That is no competition. I have Aetna now, and the best policy I can afford carries a 7000.00 deductible, with a copay for the next three thousand. That means if I spend a few days in hospital, I can easily walk out $10,000.00 in debt, not what I consider affordable health care. I do qualify for a subsidy, and the cost for nearly the same plan will be less, but the deductibles are still around 6000.00. I'm going to continue the plan I have now, hope I don't get sick and revisit this whole thing in December or January.
I am sure this is because our esteemed Governor refused to set up a state run exchange and refused the medicaid expansion, (which does raise premiums on policies, not just deny illegibility to low income folks). It may be different in other parts of PA also, I don't know.