My opinion is that Obamacare was created so poorly so that it collapses and we end up with a nationalized health service. And like @smtucker said, it’s a russian roulette. If you’re really sick or really healthy, the high deductible plans are the best. You have a lower premium and then after your deductibles and out of pocket maxes are met you pay nothing for the rest of the year. So while we have to pay this $7000, if anyone else in our family gets sick 70% is now covered, and then after another $6000 we pay nothing. And our premium is a lot lower. And we have a health savings account (HSA) that we can put money into with before tax dollars, so for us basically we get a 30% discount at our tax rate for all medical expenses paid out of our account.
Sadly we’ve never had more than basic sick visits so we had never put much into the HSA. But we can do catch up deposits and change the amount going from each check so we’re taking advantage of that. Next year we’re going to pay a little higher of a premium and get the high deductible plan that has individual deductibles and not just a family one and that covers 80% and has a lower OOP max. Thankfully we’ve always been healthy, but with 4 kids we’ve been taking on a little too much risk than we want to take on going forward. All that said, if we’d have bought the plan that covers everything, the premiums would have added up to over $10,000/year, so it would have been a wash for us and with being a health family definitely wasn’t worth it on the risk of an injury. Even though $7000 seems like a lot, I think it will still be a break even for that plan. If we had someone with a chronic illness (diabetes, etc) then that plan would be worth it.