As deductibles and co-pays in health plans sold in the ACA marketplace continue to rise, HHS has stressed the fact that many plans offer significant services, such as doctor visits and drugs, that are not subject to the deductible.
In Southeast Pennsylvania (which includes Philadelphia), Independence Blue Cross offers a silver HMO plan that almost turns the whole concept of a deductible on its head. For a buyer who does not qualify for cost sharing reduction subsidies, the deductible is $1,500 -- relatively modest for a silver plan sold on the exchanges. But most services are not subject to the deductible. Here's the basic deal (for an unsubsidized 40 year-old in Philly):
In Southeast Pennsylvania (which includes Philadelphia), Independence Blue Cross offers a silver HMO plan that almost turns the whole concept of a deductible on its head. For a buyer who does not qualify for cost sharing reduction subsidies, the deductible is $1,500 -- relatively modest for a silver plan sold on the exchanges. But most services are not subject to the deductible. Here's the basic deal (for an unsubsidized 40 year-old in Philly):
