Mrs Infomaniac needs back surgery. Has had back surgery in the past. Can't get private health insurance without an exclusion for her back.
We are going to give O care a try. We have some $$ reserves (from selling the drag boat operation) and have reduced our pay to the lowest catagory for o care. less than 38,000 a year.
First try Blue cross and blue shield of Oklahoma. As it turns out no one will accept the O care version.
We are now narrowing it down to a few PPO plans and have verified the doctors will accept it.
One full year of premiums with deductible amount and max out of pocket is around 12k. A big chunk of the yearly salary.
Will see how it goes.
Don't expect any gov assistance due to OK not participating. Haven't actually finalized the application to see.