I have been researching the Oregon exchange plans via the Cover Oregon website. The first time I looked up plans I used a base income of $19,000 as I am currently making that from Social Security Disability benefits and working part time. When I did so, the website showed only Silver level plans and that the best and cheapest plan from Moda Health had a $418 premium, a $250 deductible, and I forget the OOP amount. You cannot see details of the plans as to what medications are covered, which doctors are participating or anything, if you just browse the plans as I have been doing.
I, then, used a base income of $33,000 as I was in the process of preparing for a job interview which would increase my income by $14,000 while reducing my Social Security Disability benefits to 9 months worth. And, that was if I had the full benefits at the beginning of the year. It wasn't until today that I realized that at best I would have 7 months worth of benefits if I get the job. And, that was when I saw the price tag for the same $418 plan from Moda Health. The deductible was now 6 times the amount, which is $1500 and the OOP was $5000. The subsidy which was $400 at $19,000 was only $246 at $33,000.
Today, I changed the level to $30865 if I get the job and get 7 months of benefits. The same plan has a $750 deductible and an OOP of $1250. Now, tell me folks can you afford to have this health insurance, if you are disabled, have diabetes, is a cancer survivor needing yearly check-ups to see if it came back, and have a wife who cannot work due to stress-induced "pseudo-seizures" and has been denied Social Security benefits several times because "she is, but she isn't" disabled according to the EEGs, doctors, and ALJ judge.
Here is the link to browsing the plans:
For data input 97386 as the zip code, Linn as the County, No for the Tribal question, 2 for the Household, then $19000 for the income to get the page saying you can be eligible for the Oregon Health Plan, then hit the back button to see the plans for that income level and note the deductible and OOP expenses. Then, do the same for both $30865 and $33000 for income levels and you will see how everything changes from the subsidy to the deductible and OOP expenses. Then, if you want, throw in your own income level to see how that changes things. Remember, my focus is on the Silver Moda Health Plan which is $418.