I just had a conversation with a health agent. I've been doing Health Plan analysis, which consisted of me reading brochures over and over again, taking notes, etc. I was wondering why my wife's health plan seemed pretty good with a low premium. So I looked up one of her bills and pointed out to here the large credit she was getting that reduced her premium. She was on ACA and neither of us knew it. :)

I told the agent I was apprehensive the new admin would go after ACA subsidies and he commented he was going more into Medicare because of that, and away from ACA. I was exploring adding my wife to my plan, but my out of pocket maximum would double, which I don't like. I may have some surgery coming my way, and for me, that's fine, I never get charged anything- but if there's a catastrophe, I'd prefer the pay everything. :)

There isn't anyone close by who can explain my plan and calling over the phone left me feeling I knew the plan better than the person I was talking to, disconcerting. Reading through all the brochures is a PITA, but the nearest place that might be able to explain it is 4 hours away.