MARKETPLACE & PRIVATE COVERAGE
So, as we all know, the Big Beautiful Bill that was passed screwed 40 million Americans on the marketplace. Everyone's rates went from 2x to 12x the amount in 2025 to 2026. I had Anthem BCBS, my rate went from $389 a month to $792 a month, with a $6k deductible and a 9k OOPM. It is also a BRONZE plan, which means I have to meet my deductible before the Anthem pays for ANYTHING! Unreal. I was looking at some private options, and I was quoted so many different options. For example: First Health, Multi-Plan, Colonial Health, Golden Rule, and Christian Share plans. Most of them had a $0 deductible but ALSO have NO OOPM (Max out of pocket), which means in the worst-case scenario, I would be screwed! As I did more research, I found out that these plans are considered Limited Benefit/ Discount Medical Health insurance plans. Basically a giant coupon book! I did come across a United Healthcare PPO plan that did have a 3k OOPM. Basically full coverage. Is anyone or has anyone had any experience with the private version of UHC? (not talking about the Golden rule, that is a limited benefit/discount plan)!