Comment by dml2135
6 months ago
But that means nothing if you can't find a doctor -- these plans have paltry networks.
They are better than nothing if you qualify for a subsidy, but if you don't and you live in a HCOL area (which the subsidies are not adjusted for) you are pretty much screwed.
They sell the same networks in my experience (west and northeast coast).
The MCOs are not carving out different networks for specific employers. You buy a bronze PPO from United Health directly, or your employer does, it’s going to be all the same providers. If you get gold, then the deductibles/copay will be less.
The networks used to be different when HMOs were in vogue, but if your employer is only giving you an HMO option, you need to find a different employer. PPOs are the only sensible option (except maybe Kaiser on the west coast, but even they sell PPOs, just costs more to see a non Kaiser provider).
This was not my experience on the NY exchange but that was several years ago at this point. So I guess it's possible that things improved.