Need help deciding Cobra or health insurance market place
I don’t understand insurance. I’ve resigned from work and no longer have employer insurance. I’ve already applied to the healthcare market only thing I need to do is select a option or Cobra through work
Here are the options: COBRA: Medical Select BCBS $730.33
Health care market: I have a tax credit of $413 but selected only to use $213 should I use the whole thing?
Healthcare market options: 1: Blue Cross and Blue Shield of Alabama Blue Standardized Bronze Metal Level: Bronze Bronze Plan type: PPO PPO Quality Rating: 4 of 5 stars
Monthly premium $141.49 Including a $214.00 tax credit Was $355.49
Deductible $7,500 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
$9,000 Individual total
2: Blue Cross and Blue Shield of Alabama Blue Saver Bronze Metal Level: Bronze Bronze Plan type: PPO PPO Quality Rating: 4 of 5 stars
Monthly premium $158.88 Including a $214.00 tax credit Was $372.88 Deductible
$7,950 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
3: Blue Cross and Blue Shield of Alabama Blue Standardized Silver Extra savings: Extra savings Extra savings This plan has: Easy pricing Easy pricing Metal Level: Silver Silver Plan type: PPO PPO Quality Rating: 4 of 5 stars
Monthly premium $272.01 Including a $214.00 tax credit Was $486.01 Deductible
The amount you pay for covered services before the plan starts to pay. $5,700 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
$7,200
4: Blue Cross and Blue Shield of Alabama Blue Protect Metal Level: Catastrophic Catastrophic Plan type: PPO PPO Quality Rating: 4 of 5 stars
Monthly premium $275.68 Deductible
$9,100 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
5: Blue Cross Select Silver Extra savings: Extra savings Extra savings Metal Level: Silver Silver Plan type: PPO PPO Quality Rating: 4 of 5 stars
Monthly premium $290.30 Including a $214.00 tax credit Was $504.30 Deductible
$4,200 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
$7,200
6: Blue Cross and Blue Shield of Alabama Blue Value Silver Extra savings: Extra savings Extra savings Metal Level: Silver Silver Plan type: PPO PPO Quality Rating: 4 of 5 stars
Monthly premium $326.79 Including a $214.00 tax credit Was $540.79 Deductible
$3,500 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
$7,200
7: Blue Cross and Blue Shield of Alabama Blue Standardized Gold This plan has: Easy pricing Easy pricing Metal Level: Gold Gold Plan type: PPO PPO Quality Rating: 4 of 5 stars
Monthly premium $379.25 Including a $214.00 tax credit Was $593.25 Deductible
$2,000 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
$8,700
8: Blue Cross and Blue Shield of Alabama Blue Cross Select Gold Metal Level: Gold Gold Plan type: PPO PPO Plan ID: 46944AL0650001 Quality Rating: 4 of 5 stars
Monthly premium $411.84 Including a $214.00 tax credit Was $625.84 Deductible
$850 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
$6,000
9: Blue Cross and Blue Shield of Alabama Blue Value Gold Metal Level: Gold Gold Plan type: PPO PPO Quality Rating: 4 of 5 stars
Monthly premium $438.12 Including a $214.00 tax credit Was $652.12 Deductible
$750 Individual total (health & drug combined) Extra deductible for some services Out-of-pocket maximum
submitted by /u/Jazzlike_Coast7128
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