There are certainly lower premiums available for HMO plans. We choose the platinum tier to avoid additional costs associated with healthcare. Our max out-of-pocket is $3,000, no deductibles, very low co-payment and prescription coverage is unmatched.

I have diabetes and a recent kidney transplant. I didn’t even reach my max out of pocket last year.

I imagine gold, silver, and bronze plans will be substantially less per month but if you have a medical emergency your annualized cost could be significantly higher than paying up front.

Most people here get their insurance through their employer. I’m self-employed and she doesn’t work so this is our best option.

Good luck.