"For the first time in my adult life, I didn't worry about meeting deductibles for broken bones, surgeries, or other emergencies. The plan covered everything. I felt an invisible weight lift off my shoulders. As Murphy's Law would have it, I only used this plan a few times for primary care visits and to get my children's dental cleanings. But two days after ending the plan and joining a healthshare, my daughter broke her collarbone."
"After entering my family's information (married, three dependents) and our income, the site populated three tiers: bronze, silver, and gold, with premiums ranging from $271 to $677 a month. At first glance, it all looked promising. I hovered over a Silver Elite Saver Plus HMO plan, priced at $590.32 a month. It offered a $0 family deductible (except for a $400 drug deductible) and a $18,200 family out-of-pocket maximum. Primary care visits were $60, specialists' visits were $100, and ER visits were covered at 50%."
My husband was unemployed and we qualified for government health insurance, which covered emergency care and removed worry about deductibles. After that plan ended, I joined a healthshare that costs $518 a month and requires a $1,000 per-incident deductible. Two days after joining, my daughter broke her collarbone; we paid X-rays and urgent care out of pocket until meeting the deductible, then received $1,000 reimbursement for physical therapy. Because healthshares lack legal regulation like insurance, I began previewing healthcare.gov plans for 2026. Marketplace premiums ranged from $271 to $677, and a silver HMO showed a $0 family deductible but a high out-of-pocket maximum; subsidies appeared inapplicable to our household.
Read at Business Insider
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