Help picking healthcare plan please

[neko06]

Hello all,
I was recently laid off in October, and it may be a few months before I can get a new full time job (many firms in town are not hiring right now). I need help picking a health insurance plan from the Colorado Affordable Care plans for open enrollment coverage starting in January. I am very clueless about plan specifics and could really use your help.

About me:
36 female, single, non smoker. No serious medical conditions. No family history of illness. Healthy. Two daily prescriptions. I have my yearly wellness physical, and a yearly neurologist appointment. I play sports so my main health needs are the occasional sprained ankle, fractured bone, etc.

Here are some plans available through Connect for Colorado. Any suggestions you have are appreciated!

KP Select CO Bronze 8500/50
Individual Deductible$8,500
Individual Out-of-Pocket Max$9,100
Primary Care Coinsurance (after deductible)0%
Specialist Coinsurance (after deductible)50%
Urgent Care Coinsurance (after deductible)50%
Monthly Premium$283.87

KP Select CO Bronze 6500/50
Individual Deductible$6,500
Individual Out-of-Pocket Max$9,100
Primary Care Coinsurance (after deductible)0%
Specialist Coinsurance (after deductible)40%
Urgent Care Coinsurance (after deductible)40%
Monthly Premium$289.90

KP Select CO Bronze 6500/35%/HSA
Individual Deductible$6,500
Individual Out-of-Pocket Max$7,000
Primary Care Coinsurance (after deductible)35%
Specialist Coinsurance (after deductible)35%
Urgent Care Coinsurance (after deductible)35%
Monthly Premium$305.94

KP Select CO Bronze 7000/50 RX Copay
Individual Deductible$7,000
Individual Out-of-Pocket Max$9,100
Primary Care Coinsurance (after deductible)0%
Specialist Coinsurance (after deductible)45%
Urgent Care Coinsurance (after deductible)45%
Monthly Premium$305.94

KP Select Colorado Option Bronze
Individual Deductible$7,000
Individual Out-of-Pocket Max$9,100
Primary Care Copay (after deductible)$50
Specialist Coinsurance (after deductible)50%
Urgent Care Coinsurance (after deductible)50%
Monthly Premium$309.65

Anthem Bronze Pathway X HMO 9100 $0 Select Drugs
Individual Deductible$9,100
Individual Out-of-Pocket Max$9,100
Primary Care Coinsurance (after deductible)$0
Specialist Copay (after deductible)$0
Urgent Care Copay (after deductible)$0
Monthly Premium$310.46

Anthem Bronze Pathway X HMO 6000 $0 Select Drugs
Individual Deductible$6,000
Individual Out-of-Pocket Max$9,100
Primary Care Coinsurance (after deductible)30%
Specialist Coinsurance (after deductible)30%
Urgent Care Copay $75
Monthly Premium$316.42

Anthem Bronze Pathway X HMO 7450 for HSA
Individual Deductible$7,450
Individual Out-of-Pocket Max$7,450
Primary Care Copay (after deductible)$0
Specialist Copay (after deductible)$0
Urgent Care Copay (after deductible)$0
Monthly Premium$324.23

Anthem Colorado Option Bronze Pathway Std
Individual Deductible$7,000
Individual Out-of-Pocket Max$9,100
Primary Care Copay (after deductible)$50
Specialist Coinsurance (after deductible)50%
Urgent Care Coinsurance (after deductible)50%
Monthly Premium$324.70
After $0 tax credit

Anthem Bronze Pathway X HMO 5650 Rx Copay $0 Select Drugs
Individual Deductible$5,650
Individual Out-of-Pocket Max$9,100
Primary Care Coinsurance (after deductible)40%
Specialist Coinsurance (after deductible)40%
Urgent Care Copay $75
Monthly Premium$330.08

[Kenkat]

I have used a site - healthsherpa.com - in the past. If you enter your information and assumptions, it will project which ACA plans offer the lowest overall cost. You can remain anonymous when entering the data.

[pizzy]

Yes, use healthsherpa

Too many plans, too many variables, let them do the work for you

[neko06]

Strangely HealthSherpa is showing me plans that are not listed through Connect for Colorado, not that site is very helpful....?

[mkc]

Check the plans' provider networks to see if all your current providers (and any you might consider using if needed) are in both KP's and Anthem's provider list. Also, what type of coverage are the KP plans? Anthem's all appear to be HMO's based on the plan name, but KP's don't indicate what they are. Also check the formularies for both to see what the coverage/copay is for your current prescriptions. The answers to those might narrow the choices down to one of the 2 insurance companies.

[sailaway]

Do you travel? You don't list out of network coverage, but I know our KP plans don't cover anything out of network except emergencies.

Did you look at the COBRA coverage info you received? It is unlikely to come out less than the plans you have listed, but it has been known to happen.

[neko06]

Yes I got quoted for COBRA at $850

[victw]

Yes I got quoted for COBRA at $850

How does it compare to the ACA plans?

[neko06]

ACA plans are coming in at $280-$450

[quantAndHold]

Do you travel? You don't list out of network coverage, but I know our KP plans don't cover anything out of network except emergencies.

KP has a deal with Cigna to handle urgent and emergency care at their regular contracted rates when traveling to a location that doesn’t have Kaiser. I have a special insurance card for traveling. And a Kaiser patient in one region can get full care at any Kaiser in any other region. Except Washington. For some reason Washington is still not merged into the rest of the Kaiser network.