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@munyaku Didn't the OP say they had to cover their own medicine?

@munyaku It depends on if the hospital(s) and the providers accept that plan, right? She has no prescription coverage, which is why the plan is so affordable.

@happilyretired Can you afford the deductibles? Could you write a check for them today with no pain? If so, get the gold plan after you make sure your preferred hospitals are in network. If you can't afford your deductible, then go to the marketplace. And get a decent dental plan that your...

@spencer5150 It's reinsurance renewal season and clearly they've run some models and find they have too much exposure in those areas. Most of this looks like wildfire and hurricane exposure.