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

May 24, 2019

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

  1. Bronze plans

    1 vote(s)
    20.0%
  2. Silver plans

    1 vote(s)
    20.0%
  3. Gold plans

    1 vote(s)
    20.0%
  4. Short term plans

    1 vote(s)
    20.0%
  5. Health sharing plans

    1 vote(s)
    20.0%
  1. soardove
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    soardove New Member

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    State:
    Texas
    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?
     
    soardove, May 24, 2019
    #1
  2. somarco
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    somarco GA Medicare Expert

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    I don't understand. What difference does it make what OTHERS do. All that matters is what YOUR client wants.
     
    somarco, May 24, 2019
    #2
  3. Yagents
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    Yagents Guru

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    State:
    Arizona
    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
     
    Yagents, May 24, 2019
    #3
  4. vic120
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    vic120 Guru

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    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
     
    vic120, May 25, 2019
    #4
  5. somarco
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    somarco GA Medicare Expert

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    Is that $12k for the family or per individual? In other words, $6k per person, 2 per family.
     
    somarco, May 25, 2019
    #5
  6. J2727
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    J2727 Expert

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    Why run away from gold plans?

    CSR clients?
     
    J2727, May 25, 2019
    #6
  7. LostDollar
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    LostDollar Guru

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    reread what he said. It was not a typo.
     
  8. Yagents
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    Yagents Guru

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    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, May 25, 2019
    #8
  9. Yagents
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    Yagents Guru

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    You know me well. Every word counts.. Always has a purpose.
     
    Yagents, May 25, 2019
    #9
  10. vic120
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    vic120 Guru

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    No 6K two per family 12k total Pluss coinsurance is minimal maybe 1K total, with premium comes to 25K Total for the whole family
     
    Last edited: May 25, 2019
    vic120, May 25, 2019
    #10
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