Originally Posted by OB Pilot

I'm married with 2 kids and we use the Regular Plan and have been very happy with it. It is a PPO plan with a $0 monthly premium and very low individual and family deductibles and out of pocket maximums.
The Regular Plan is considered a 'grandfathered plan' as far as the Affordable Care Act is concerned so all of the new provisions are not required, such as preventable care and wellness checks which are not covered. There are no co-pays for any covered services. All sick visits and ER visits are indeed covered.