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So you pay 20% of covered expenses up to some cap. Sounds kind of like another deductible - in practice.

Ok then, I think I understand. I have never had an 80/20 split so it is something that has always been a bit fuzzy for me.

Would the obamacare plan have the 80/20 split? If not then it could end up paying more for you if you get sick.

Just looked it up:

bronze - 60/40 split

silver - 70/50

gold - 80/20

Platinum - 90/10

Each plan also has a cap of some sort. It seems to be about 12k for a family.

All that being said the gov website does not really offer insurance at all and there is no reason that you cannot still shop around for yourself. I use an insurance broker who does all the work for me and tells me what plan he has found that works best for me. The broker gets paid a commission from the insurance company (I wonder of the gov is getting a commission) and usually has a previous relationship with a number of companies that he chooses from. Even with his commission he has still always found me better plans for home, health, auto, and life than I have ever found on my own. He is also the one person I can always count on to answer his direct line and help me out whenever I have an insurance concern. I can't say too much good about my broker.

Come to think of it the gov is really doing nothing more than acting as a broker and competing with private brokers all over the country. Why does anyone need the website? I know brokers don't offer subsidies but sibsidies could be provided without the webste.

I hope you find the health care you need. Talking this out has been interesting and hopefully helpful. let me know if you need anything else.