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@markwilliams If your job insurance does not include hospitals, then it doesn't meet minimum value standards for ACA, in which case you would qualify for subsidies, although your income might be too high for subsidies. But even if your income is too high for subsidies, take a look at ACA is your...

@aleon1220 Your statement that PVPs are only required for old style HMO does not conform to my experience that nearly every plan that I looked at on the marketplace requires a referral before seeing a specialist. I guess you could call the current plans new style HMO plans. Furthermore even a...

@atwhatcost A few people I know have a doctor like that. The two doctors I can think of like that however are past retirement age and keeping down for a few old patients...