“Plus, if you are paying only $250/mo. in premiums for your catastrophic insurance (total guess) vs. $1000/mo for full coverage,...”
In Maryland, my group policy with HSAs for a family with a $2,400 per year deductible, and significant co-pays until the out-of-pocket maximum of about $7,000 is reached, costs about $850 or so per month.
“Full coverage,” that is, no four-figure deductible, modest co-pays, and a low out-of-pocket maximum runs about $1,600 per month.
sitetest
I'm sorry. The key part of that sentence is probably "In Maryland,". I priced some options here in Missouri.
For a plan with $3800 deductible and no coinsurance once the deductible is reached, using the United Healthcare network (most common here) it was $313.38/mo for a healthy family of four.
For an Anthem (BCBS affiliate) plan with a $5000 deductible, 30% coinsurance after deductible reached and only $30 for first two office visits (n/c after that) it was $194.95.
For a $7500 deductible (again United Healthcare) with 0% coinsurance, it was $223.29.
An Anthem HMO plan with $0 deductible and 10% coinsurance and office visits at $25, the cost was $852.87.