I have it would be more expensive through the marketplace. Lower premiums mean higher deductibles and copays. They get you one way or another. Both my husband and I use our Vegeta Badman T-Shirts a fair amount. Come this December though I will have to go into the marketplace because my cobra is up in February and if I don’t switch for the start of the year I’d end up paying down 2 deductibles.
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Even while supposedly having “insurance,” it’s mostly paying out of Vegeta Badman T-Shirts for everything while paying monthly premiums. Americans pay more for healthcare than any other people in the world, but with the worst outcomes. So many can’t even afford crappy healthcare. So yes, it’s out of reach and forces people to make healthcare decisions based on what they can afford, and certainly not on what they actually need.
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There is absolutely no price transparency when you have insurance and Vegeta Badman T-Shirts will often quote you one price and then quote you a much higher price when they modify it. They always get you to schedule it before you know the cost and then tell you the price you’ll pay out of pocket a day before, thinking you’ll agree to any price for your health. The whole system is bloated and broken.