The plan we were offered by BCBS of Alabama had a monthly premium of $1167.00. Our deductible was either $8k or $12K - for a family of three. I think I figured that I was looking at an out of pocket cost of around $23K per year. Who can afford that? Certainly not a self employed small business owner who makes less than 100K a year. And that was the first year - I have no idea what the second year would have cost us. We went with Medicare - $500 a month with a $3K deductible.
That sounds very much like what I found. I’ll be eligible for Medicare in several years, so I can hope to “survive” economically & medically until then. But my wife is much younger & we have a child...
In some ways we were better off when I was laid off & on our state’s version of Medicaid.
Can you explain how medicare costs $500 a month with a 3K deductible?