The National Defense Authorization Act has a provision barring the military's insurance from covering gender-affirming care for service members' children.
Everything you’re explaining about the deductible, premiums and out-of-pocket maximum is correct, the only thing I’ll say is the numbers you’re quoting seem pretty high. I work for a company that explains benefits to employees for different US companies, and the majority of plans have an OOP max of around 8k (for families ie employee, spouse and at lease 1 child) with everything being lower for less people. Most plans we work with have a family deductible of around 4k with everything being covered after 8k. Could be explained by working for a shittier company, or living in a higher cost of living area, just wanted to throw in my 2 cents that what you’re describing is definitely on the costlier end of the spectrum.
To be fair yes, monthly premiums for the plans I was referencing were between 1.7k and 2.3k, with them tending to be right above 1.8, so that definitely is a factor here
Everything you’re explaining about the deductible, premiums and out-of-pocket maximum is correct, the only thing I’ll say is the numbers you’re quoting seem pretty high. I work for a company that explains benefits to employees for different US companies, and the majority of plans have an OOP max of around 8k (for families ie employee, spouse and at lease 1 child) with everything being lower for less people. Most plans we work with have a family deductible of around 4k with everything being covered after 8k. Could be explained by working for a shittier company, or living in a higher cost of living area, just wanted to throw in my 2 cents that what you’re describing is definitely on the costlier end of the spectrum.
Are those premiums higher than $1800/month? (With employer contribution as part of that.)
Of course my numbers are from memory and likely aren’t accurate. But I think they aren’t far off my last plan.
To be fair yes, monthly premiums for the plans I was referencing were between 1.7k and 2.3k, with them tending to be right above 1.8, so that definitely is a factor here
In my experience, going above whatever “Bronze” plan required you to hit very specific spending targets in order to come out ahead.
Generally everyone’s just better off with the bronze plan unless you know you’re going to spend at least X this year.