What are individuals and families who don't get subsidies buying most?

[soardove]

New agent selling individual and family plans in Texas. I noticed that online portals like Stride and Kind always just recommend the cheapest bronze plan.

For folks who sell to lots of people who don't get subsidies, is "cheapest bronze" the plan type you're selling most often too? If not, what is?

 

[somarco]

I don't understand. What difference does it make what OTHERS do. All that matters is what YOUR client wants.

 

[Yagents]

Sell the real major medical only.
Bronze aca best first choice.
If no way to afford, buy STM if healthy.
Run away from god plans.
Never sold a gold plan
Silver is for CSR clients

 

[vic120]

Guess would depend on the area, This year the high deductible plan has 12K deductible with minimal coinsurance with 1 K per month premium= 25 K out of pocket

Vrs 3K per month with copays and hosp/therapy deductible of $1,500

No brainer the Low plan wins

Last year was different

For me I have a special needs child and I have some stuff too so I go through deductible no matter what

 

[somarco]

high deductible plan has 12K deductible

Is that $12k for the family or per individual? In other words, $6k per person, 2 per family.

 

[J2727]

Sell the real major medical only.
Bronze aca best first choice.
If no way to afford, buy STM if healthy.
Run away from god plans.
Never sold a gold plan
Silver is for CSR clients

Why run away from gold plans?

CSR clients?

 

[LostDollar]

reread what he said. It was not a typo.

 

[Yagents]

7900 is oop for any ACA plan per individual. Going to 8200 I think next year.

Gold plans never are worth extra money unless young and pregnant.

Avoid religious health sharing plans at any cost.

CSR is cost sharing reduction plans that come with silver plans below 250% fed poverty level

 

[Yagents]

reread what he said. It was not a typo.

You know me well. Every word counts.. Always has a purpose.

 

[vic120]

Is that $12k for the family or per individual? In other words, $6k per person, 2 per family.

No 6K two per family 12k total Pluss coinsurance is minimal maybe 1K total, with premium comes to 25K Total for the whole family