Obamacare rates are NOT overpriced.

His out of pocket expenses are rising due to obamacare. He's saying it isn't worth paying 4k plus deductible for what he can currently afford out of pocket.

What you say may be true but in Obozocare with a deductible in the many thousands of Dollars "It's basically fake coverage for people to think they have insurance (until they really need it)." is applicable. Your going to have to pay thousands of Dollars until you reach the deductible limit BEFORE you insurance kicks in.
6 in one half a dozen in the other.

Our cost are about what we pay through employer but we only pick up half. Employer picks up the other half.

That's what most companies do, so that's why it looks so high because you're only used to paying half (while employers picks up rest).

But...

We would get back half in our tax return (if I read that correctly) It didn't sound like a deduction but actual reimbursement but idk. So, out of pocket for insurance would be the same (except you would have to payroll yourself all of it until tax time).

But...

If what everyone is saying is correct *because it doesn't let us no on the calculator simulation* The coverage would be much more sucky than what we have now and the deductible, well there's no way we could even pay that.

Same amount for us, shittier coverage-higher deductable, gotta bankroll yourself until tax time and then save that for the deductible in case you need it.

To me the deductibles are a much bigger problem than the premiums. In the last three years combined I haven't had enough medical expenses to exceed the deductible.

I would purely pay to have my choices limited and still have higher healthcare costs than if I just spent out of pocket.

It's $175/month with a $6,000 deductible v. $150/month $1,500 deductible so it's a worthless plan. Need your tonsils removed? $6,000 please.