I’m a single, 31 year old self employed male in NYC struggling to figure out health insurance.
I really enjoyed One Medical and have used them for the past 5 years and would like to continue doing so.
Here’s a list of their accepted insurance in NYC: https://www.onemedical.com/insurance/insurance-finder/?location=new-york&carrier=all-carriers&search=
However, it seems like (unless I’m missing something), the only insurance that is accepted also in the NY health exchange is Oscar: https://nystateofhealth.ny.gov/individual/searchAnonymousPlan/search
I signed up for Oscar and the premium is ~$700 with the following specs:
OOP Max: $8700
Oscar Care virtual visits: $0/$0
Primary care (first 3 visits $0)*: 100% / $50
Specialist (first 3 visits $0)*: 100% / $75
Urgent care: 100% / $75
Emergency room: 100% / $500
It seems I only get 3 visits to OneMedical before I’m on my own until the deductible is met. WTF?
Am I missing anything? Is this the best deal I can get? It seems pretty terrible compared to every insurance plan I’ve had through employers.