Marketplace vs Private Insurance

My wife and I got married this year, and because of combined incomes, we’ve lost a good chuck of the tax credit we used to get on marketplace plans. The cheapest plans start at $450 a month, with $8-9000 deductibles. Were both under 40, have no preexisting conditions and no medications. I work 1099 with an EIN and she co-owns and LLC with a few employees – but those employees would be better off on a marketplace plan based on their incomes.

I spoke to a broker today who thinks he can get my wife and I onto a PPO group plan through the chamber of commerce using my EIN number. His monthly premiums would come in cheaper, and the deductible would only be $2000 – Is this too good to be true? Will this plan not cover things my Obamacare does?

I’m reading that PPOs tend to be better? My self pay dental insurance is pretty crap and I end up paying a lot out of pocket. Will I have limits to the usage of the PPO? With a yearly deductible that low I feel like I would take advantage of a lot of health stuff I’ve been putting off due to high costs. Any advice, questions to ask, or things to be aware of would be very helpful.

submitted by /u/Where_Da_Cheese_At
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