Two of the ways insurance companies have attempted to artificially lower the premiums for the lowest (Bronze) Obamacare plans have been:
1) Set the deductibles at max ($12,700 for in-network family, $36,000 for out-of-network family or some plans I've seen don't cover out-of-network at all
2) Shrink the in-network doctor pool dramatically - something like 10% of the MDs and 30% of the facilities within your zipcode.
here's a screenshot of a bronze plan I was quoted double
my current premium:
Here's the question:
What happens when you leave your zipcode and need healthcare ?
That's going to be by definition
an out-of-network incident and, depending on your plan, you'll have to either meet a $36,000 deductible before insurance kicks in, or in some cases out-of-network isn't covered at all.
brilliant, eh? kinda like a voluntary house arrest, no?