Experiences with private United Healthcare Choice Plus PPO? Great deal, or run for the hills?

I’m being offered UHC Choice Plus PPO coverage privately for $780/month for my family of 4. We’re all healthy, except for the constant young kid daycare illnesses. This is $200 less than I pay for my BCBS HPHD plan through work currently. My husbands employer does not offer coverage. I am likely leaving my employer early next year, so I reached out to a broker for quotes and the UHC coverage is what he came back with.

It looks like on the marketplace, we’d be paying minimum $1,300 for $16k deductible for the four of us (if the marketplace is even around later 😅)

I realize this is not an ACA compliant plan, but the info the broker sent me does have a major medical portion that covers hospitalization, surgery, ambulance, etc. Is this too good to be true? Any experiences with this coverage? What I really do not want is to sign up to spend hours a month fighting an insurance company to cover claims. My only experience has been with Blue Cross who, while not cheap, I’ve never had problems with. TIA for any insight!

submitted by /u/FoxDoingTheSplits
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