Quote Originally Posted by fitz19d View Post
Bump for knowledgeable people. Wife finally let me make some choices with her healthcare stuff as she doesn't do well figuring it out. Already got her from highest to medium plan last year. Now working on dumping premium dental plan when she doesnt even go but somehow thinks 360/yr for that is trivial to pay.

Anywho, wondering about out of pocket maximum. Seems too good to be true. On her cheap plan under ACA it was added. To boot it is also the lowest out of pocket of the 3 plans. If we are going to have a kid c-sect. We know cost would be over any plans out of pocket, why would you not do the cheap plan? No way carrier can force us into family plan since we are married if I'm doing my own companies ins. right?

Cheap plan 73/month, 1700 deductible, 5,100 out of pocket.
Mid grade plan, 170/m, 1250 deductible, 6,250 out of pocket.
I don't believe anyone can "force" you into a family plan as long as everyone has coverage meeting ACA minimum requirements.