- Jul 21, 2009
- 133,077
- 69,716
- Thread starter
- #21
But the ad says her "Out of pocket expenses" went up.
What does that mean?
Her deductible became unaffordable.
Reality says she could've gotten a plan with a premium 40% lower than last year's with a $300 deductible. From the same insurer as last year with the same provider network. The premium savings alone would pay the cost of the deductible within three weeks of buying the plan.
She opted for a plan with a 50% lower premium but a $2,800 deductible. From the same insurer as last year with the same provider network. So the premium savings (while higher) won't have covered the entirety of her deductible until May (though over the course of the year, the premium savings minus the deductible are still almost $3,600 for the plan she bought).
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