IDK the diff between bronze, silver, and gold yet either.
In New York, the ONLY level that makes
sense at all for those
eligible for cost-sharing is Silver. That's where I am. And, withIN Silver, there are 4 different premiums... lower for higher deductible (naturally) up to highest for zero deductible. As mentioned previously, my base premium for ZERO deductible is $326.80. I get a $226.00 subsidy. My cost is $100.80/month. Again ZERO deductible, $500 OOP max, VERY VERY VERY good copays (office and drugs) and a measly 5% co-insurance for durable (which is good re: CPAP unit).
I be happy.
I be a rare exception as well.
I be expecting changes in 2016, absolutely. 2014 will set the tone... 2015 will be when they prepare changes... 2016 will be a BIG "adjustment" year. Quote me.