The company wants you on Choice Plans because they're far cheaper FOR THEM. Regular Plan is by far the most expensive for them and you can literally pay for any elective stuff simply on what you save in monthly premiums. For the vast majority, the Regular Plan is a no-brainer.

Yep. 100%.

For example, the Regular Plan doesn’t cover most vaccinations, like the shingles vaccine. It costs anywhere from $250 to $400, which is, I think, less than one month’s premium on the Choice plan.

Our county health department, vaccines are $15 if you can afford to pay that.

Which county is that? Might be worth flying in for.

That’s right about some things not being covered—if you are alone or only cover one person maybe choice isn’t a bad way to go, but add up those premiums vs regular plan out of pocket costs.

My wife’s cancer treatments plus the birth of our kid (it was a big year) cost us…drumroll please….2500 bucks out of pocket (I also have Tricare so I guess you could add 229/mo for that). Less than 5 g’s on healthcare for a family.

The end of year “we love you but actually this is how much you cost us you damn plumber” thing had our healthcare costs north of 1m bucks for that year.

Our county is free for vaccines for under/uninsured (which the RP is for vaccines) with donations accepted.

Nice. Cheapest shingles vaccine I could find was $250 through our county health department.

I don’t think I’m old enough for a shingles vax so I’d have to check to see if that’s free also. The kids’ recommended shots were free…pediatrician ran out insurance it it was a few hundred for both kids.

Douglas County in Colorado. They are free here too. They just ask if you can pay $15. We obviously can and do.