Part of the law is not that all children under the age of 18 will need dental insurance. We have 4 children and it's a cost of $47.50 per child per month, with the fourth one being free. So no matter what plan we choose we have to have that $147.50 a month in dental.
We considered the bronze plan it would run us $900.50 a month and we would have that $10,000 deductable looming over us. My concern with that high of a deductable was then having to turn around and pay the hospital, plus pay our monthly insurance premiums. Last I knew Holy Rosary has a set time they want bills paid, for example anything $5000.00 and under you have a year to pay (please correct me if I am wrong). So let's say we have one broken arm, one tonsillectomy, and the usual bumps and bruises that comes with having four children, it not out of the realm of possiblity that we could hit $10,000 pretty easy. Which, if Holy Rosary wants that paid in two years our monthly payment to them would be $416. That brings us to a total of $1316.50 a month going out of the house for medical this and that. With the silver plan in the above scenrio we would pay out $1398.00 a month, but the silver plan does cover a lot more then the bronze. It really came down to the math for me. And before anyone mentions the hospital will write off some of those bills, we make too much to qualify, hence the $94 subsidy we would get to help pay for our insurance.
I have looked into the other insurance companies and their plans are price comparable to BCBS. Luckily for us we were able to get on a group plan, so my months of worry were in vain, but there are tons of other people in the same boat we were in. I figured with the yearly increases in insurance premiums we would only be able to afford insurance for maybe the next 3 years. The day I have to sell my camper to pay for a few months of health insurance is a sad day in America.