Silver and up are the only plans with standard copays on the Covered CA website. I am self employed so these are the plans that I'm stuck with it. Yea, looks like only Silver and Gold have standard copays.

Silver 70 PPO

SILVER PPO

$647.67

$45 copay

Specialist $85 copay

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Only the bronze plans have HSA for me. I could afford the silver plan but I kind of wanted a HSA plan to invest but with more standard co-pays

I have other options but that was the only HSA option with Blue Shield. I was interested in HSA mainly for investing purposes in addition to my SEP plan. There is a Health Net bronze plan for $418 with a 7k deductible but I think Blue shield has the best network.

Another option is Silver PPO $647, $4750 deductible (not HSA)

Plan Highlights

Total Expense Estimate $8560.11

Plan Name Silver 70 PPO

Primary Care Visits You pay $45

Generic Drugs You pay $16

Yearly Deductible $4750 / $85

Health Savings Account (HSA) No

For me the true PPO plan is just a few bucks more. You can see it here https://imgur.com/a/XjwyRyE

Is it worth it having a HSA when the co payments are higher? For the true PPO Bronze Plan the first 3 visits are $65 before deductible and $95 for a specialist after deductibe...

Ok, I see why people like using their credit cards to get points/cash back now instead of paying directly with the HSA card.... It can get pretty expensive

Damn, what kind of insurance plan do you have? PPO and what company?

I guess I am used to the cheaper prices at Kaiser....

Ah I see. Makes sense. Most likely it will be higher than the copays of the non-deductible plan right I suppose, or again it could vary I guess.