After our private non-employee plan went to $1,200/month for two people year before last, so we signed up for a marketplace plan at a fraction of the cost. Turns out our old private plan was the equivalent of a marketplace gold plan. We went bronze, and took the high deductible since we had a healthy HSA balance from the other. Literally 3 months into it, my wife got a breast cancer diagnosis and went through everything. Have to say that the insurance part was not that bad to deal with. They didn't try to screw us any more than any other plan we've had over the last 30 years - which is usually the provider not coding something correctly - which is usually because they're either lazy, stupid, or they just seem want to butt heads with insurance company.
