So, do all plans on the marketplace suck (relatively speaking)?

I guess I haven’t realized how spoiled I’ve been in terms of health insurance. For years, I have been covered by my husband’s group insurance (with Aetna) and it has been great. In 2019, I had a cancer of unknown origin that wound up needing a ton of diagnostic tests (needing to rule things out), then months of chemo and radiation. We wound up paying only about $800 out of pocket for the whole shebang. All diagnostic tests, all chemo and all radiation were covered 100%. We only had to pay co-pays for office visits (of which there were quite a few).

I will be losing this insurance next year, so I am starting to look into buying health insurance on the market place and what do I see? I see this page on healthcare.gov that explains that even with a Platinum policy (which apparently has very high premiums), I would still be on the hook for 10% of medical costs.

That is cold comfort given that I may need immunotherapy in the future (if my cancer returns) and each treatment would cost $20,000 per injection (or around $40,000 per month for the rest of my life). So, if I *only* had to pay 10% of that, we would still go broke fairly quickly.

Also, if we had had to pay 10% of all my medical costs for 2019, I shudder to think what that would have added up to. My Mother was just hospitalized for a 15-minute surgery — she had her little toe amputated and wound up with a $100,000 bill. So, if she had to pay 10% of that, that would still really suck.

If one fears having potentially 1+ million in health care costs, how do you get a plan that will not bankrupt you?

Or am I misinterpreting things? Or overlooking something? I sincerely hope so!