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Tuesday, October 22, 2013

Gary from Raleigh's analysis once he got through the Healthcare.gov web site

Quick analysis of what I see in the plan comparison screen:

1. Total Premium is the minimum out of pocket I have to pay just to say I have insurance but never use it.  This can be calculated by multiplying the monthly premium by 12 months.
Bronze -  12 months x $1,051.90 = $12,622.80
Silver - 12 months x $1,354.26 = $16,251.12
Gold - 12 months x $1,508.35 = $18,100.20
Platinum - 12 months x $1,677.60 = $20,131.20

2. Minimum amount out of pocket before the insurance pays anything.  This can be calculated by adding Total Premium with the deductible.  This assumes the traditional definition of deductible(I pay everything until the deductible is met, I don't know if this is changing or not)
Bronze - 12 months x $1,051.90 + $9,550 deductible = $22,172.80).  Then the 60/40 kicks in.
Silver - 12 months x $1,354.26 + $5,975 deductible = $22,226.12).  Then the 70/30 kicks in.
Gold - 12 months x $1,508.35 + $1,417 deductible = $19,517.20).  Then the 80/20 kicks in.
Platinum - 12 months x $1,677.60 + $1,000 deductible = $21,131.20).  Then the 90/10 kicks in.

3. Max cost by plan - This can be calculated by adding the Total Premium and the Out Of Pocket Max 
Bronze - 12 months x $1,051.90 + $12,262 = $24,884.80
Silver - 12 months x $1,354.26 + $12,700 = $28,951.12
Gold - 12 months x $1,508.35 + $9,000 = $27,100.20
Platinum - 12 months x $1,677.60 + $3,000 = $23,131.20

An interesting item here is that the Platinum plan followed by the Bronze plan are the best option if you have going to have major medical during a year.  If you look at the insurance.png you will see the number of possible plans and the number of insurance companies.  In all fairness the Copayment, deductible and out of pocket max amounts are "Average" so some will be higher and some will be lower.  They were not shown without you actually drilling into each plan.