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Originally Posted by classicman
I did a little preliminary checking just in case... the rates I was getting were 300-400% more than what my total premiums are now.
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Yeah, my understanding is that it's really not for people who are capable of getting any kind of medical insurance on their own. It's for those who are completely unable to get a premium of any kind, and are stuck with literally tens of thousands of dollars a year in out-of-pocket medical costs. 300-400% of your premium is still quite possibly less than they're currently paying in medical bills, so it's a better deal for them.