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@bill34 Even when going directly through the carrier, unless looking at a group employer plan, you'll see the same plans as Marketplace. BCBS doesn't have any private plans outside of Marketplace, and what plans are out there, are only accessible through a licensed agent.

@bill34 Any of these options, you are overpaying for the benefits given. If these are your best options on Marketplace, and neither of y'all have access to employer coverage, I'd highly suggest getting a private plan. It would be cheaper, definitely better coverage, and you can use the whole...