The deductibles and maximum out of pocket costs in excess of premium for all plans under ACA vary by insurer, state, and region.
They are also different for those under 200% Poverty Level. This is based on income, not assets.
In MI, a Silver HMO at 199% PL carries a $450 deductible and an annual $1,450 max out of pocket cost.
For those over 200% PL, the Gold plans offer comparable limits to a Silver at the lower income level. They cost about $100/mo. more.
The subsidy continuously slides until 400% PL when it ceases.
I did not find any Bronze plan offered in Michigan that had in excess of $6,000/yr. max out of pocket cost.
Edit: I just looked it up. ACA says max out of pocket for any plan is limited to $6,600 for an individual. Family plans, of course, are more.
Thanks for the discussion Keith, and Craig, and all. I wish we could just go shooting but it's too damn cold here.
