Reply #45: No I am not. The information came from the link below:

[dflprincess]

https://www.pcip.gov/StatePlans.html

It takes you to the Preexisting Condition Insurance Plan page at Healthcare.gov. From there you select the state you need "coverage" in. The plan available in Minnesota is listed as being run by the Department of Health and Human Services. Though I did look at the premiums for people in my age bracket - which are the same as what the group policy I have through my employer are. The max out of pocket of $5950 is also the same as my private policy. I wonder if this federal program is setting the standard for private insurers. While maximum out of pockts have been going up I've never had a policy where it was this high.

Each of the three PCIP plan options provides preventive care (paid at 100%, with no deductible) when you see an in-network doctor and the doctor indicates preventive diagnosis. Included are annual physicals, flu shots, routine mammograms and cancer screenings. For other care, you will pay a deductible before PCIP pays for your health care and prescriptions. After you pay the deductible, you will pay 20% of medical costs in-network. The maximum you will pay out-of-pocket for covered services in a calendar year is $5,950 in-network/$7,000 out-of-network

The United States remains the only first world country where seriously ill people and their loved ones not only have to worry about the illness but how to pay for it as well. We are still the only western nation that allows people to die because they cannot afford to access care.