They are not all crap plans. You can get a gold PPO plan. You can have a lot of wealth (eg paid off home and cars and savings) but with low income, qualify for subsidies. You can be 30 years old, live with your parents, have a low paying job…. You qualify. The best plans are very expensive. Taxpayers will pay half if you qualify.
I have to deal with our broker. Can’t buy a PPO plan within the small business group market for love nor money.
The plans suck.
Are you a “Navigator?” I’m 63 yr old. DH is stb 56 in a few months. I took early (semi) retirement and widow’s SS at age 62. Will switch to my own SS at age 67. DH works at his own biz and we have rental properties.
$1100 a month “with subsidy discount” for a gold plan. DH is on blood pressure meds. I have had stage 1 breast cancer.
$2000 deductible. Fortunately I squirreled away $7K in an HSA.