Wifes health insurance through her work is horrendous, what options do we have?

My wife has health insurance through her work. I believe it's a ppo, but can't remember for sure. I do know it's blue cross blue shield. However, it's some plan that's apparently not popular, and she is having trouble finding a primary physician that will take her insurance, let alone taking new patients. Her primary she was using canceled her recent appointment because they said they are out of network on her insurance. They won't even let her see the dr and pay out of pocket or using out of network benefits.

I have to verify again, but my work said that if her work pays less than 50% of her premium, she can drop her insurance and get put on mine as her primary insurance. That would be fine, because I would then shoulder the 400 a month payment, and she would get back about 350 a month in premiums she wouldn't be paying. Then she'd have awesome insurance.

The problem is that I am 99% sure that her works pays more than 50% of her premium, so then our only option is for her to keep her insurance as primary, and add her only mine as secondary. That would basically double our insurance cost because she'd be paying her premium, and I'd have to up mine from single (65 a month) to employee and spouse (400 a month), so total we'd go from paying around 400 a month to 800 a month. That would put a strain on our finances unfortunately.

She plans on printing out all her insurance options from her work, but I think she's currently on the best one, I think theres also an hmo and an hdhp one.

Is there another option we can explore? I thought about the ACA policies, but I don't know how to check which doctors are taking different policies without calling them. But without a policy, how do I even find covered doctors, and if they are even taking new patients.

Thanks.

submitted by /u/gregimusprime77
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