# Is this a "good" health insurance plan?

**URL:** <https://boards.straightdope.com/t/is-this-a-good-health-insurance-plan/703916>\
**Category:** Miscellaneous and Personal Stuff I Must Share\
**Created:** [November 6, 2014, 7:37pm UTC](https://boards.straightdope.com/t/is-this-a-good-health-insurance-plan/703916 "2014-11-06T19:37:07Z")\
**Posts on this page:** 5\
**Page:** 1

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**Author:** ![Velocity](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/velocity/32/18006_2.png) [@Velocity](https://boards.straightdope.com/u/Velocity)\
**Post date:** [November 6, 2014, 7:37pm UTC](https://boards.straightdope.com/t/is-this-a-good-health-insurance-plan/703916/1 "2014-11-06T19:37:07Z")

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I’m deciding which health insurance plan to acquire but have little idea of what’s good bang for the buck and what’s not.

How does this one sound?  
**Cost:** $4,500 a year.

\*\*Annual deductible: \*\*$2,000 in-network, $4,000 out-of-network  
\*\*Copay: \*\*70% after deductible in-network, 60% after deductible out-of-network  
\*\*Annual out-of-pocket maximum: \*\*$10,000 in-network, $20,000 out-of-network

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**Author:** ![nearwildheaven](https://avatars.discourse-cdn.com/v4/letter/n/90db22/32.png) [@nearwildheaven](https://boards.straightdope.com/u/nearwildheaven)\
**Post date:** [November 6, 2014, 8:08pm UTC](https://boards.straightdope.com/t/is-this-a-good-health-insurance-plan/703916/2 "2014-11-06T20:08:51Z")

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If it’s for yourself, it’s not a good deal. If it’s for a family, it is.

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**Author:** ![GrumpyBunny](https://avatars.discourse-cdn.com/v4/letter/g/bc8723/32.png) [@GrumpyBunny](https://boards.straightdope.com/u/GrumpyBunny)\
**Post date:** [November 6, 2014, 8:14pm UTC](https://boards.straightdope.com/t/is-this-a-good-health-insurance-plan/703916/3 "2014-11-06T20:14:25Z")

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You also need to take into account pharmacy co-pays, if your physicians are in-network, what the PCP/specialist/out-of-network/traveling copays are, what the ER copay is, if any regular treatments you might receive are covered, and so on.

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**Author:** ![Velocity](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/velocity/32/18006_2.png) [@Velocity](https://boards.straightdope.com/u/Velocity)\
**Post date:** [November 7, 2014, 5:09pm UTC](https://boards.straightdope.com/t/is-this-a-good-health-insurance-plan/703916/4 "2014-11-07T17:09:58Z")

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> [@nearwildheaven](#):
>
> If it’s for yourself, it’s not a good deal. If it’s for a family, it is.

It’s for me.

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**Author:** ![Richard\_Parker](https://avatars.discourse-cdn.com/v4/letter/r/35a633/32.png) [@Richard\_Parker](https://boards.straightdope.com/u/Richard_Parker)\
**Post date:** [November 7, 2014, 5:32pm UTC](https://boards.straightdope.com/t/is-this-a-good-health-insurance-plan/703916/5 "2014-11-07T17:32:50Z")

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Not enough info.

Are you a tobacco user? How old are you? What state are you in?