Don't Qualify for Health Insurance Subsidy?

No everyone will qualify for health insurance subsidies. Just today I was advising a young Hispanic gentleman. He informed me that he was getting a much better quote from healthcare.gov. At first I couldn't believe what he was quoting me. So I proceeded to do a "screen share" with him so he could follow along with me as we built a plan for his family. Sure enough he was quoted $145 a month with a $2700 dollar deductible. Not bad. But that was with a $350 subsidy. But as a took a loser look at the details of the plan they were about to choose I noticed that the were being limited to the doctors they could see and that they also had a $1000 deductible for prescriptions. Not only that it did not cover his kids. He was informed that his 2 kids would probably qualify for Medicaid due to his projected income for 2015. Bottom line, he was going to spend a lot more than $2700 out of pocket and most doctors wouldn't see him What I proposed for him to do was to select a plan that would allow him to see any doctor he wanted and go to any facility and be part of the largest PPO in the country. His total out of pocket liability would be $3000 annually for his entire family. and he would be guaranteed to not get a rate increase for 36 months. At that time he would see a modest increase but would then have his rate guaranteed for another 36 months