They're not actuarially equivalent if you qualify for "enahnced cost sharing" subsidies: https://www.healthinsurance.org/obamacare/the-acas-cost-shar...
Re:The Ultimate Guide to Inflation
by lotsofpulp on Monday May 10, 2021 @09:08AM
(#27105562)
Interesting, did not know about that. But 250% of federal poverty level is
> For coverage effective in 2021, 250 percent of the federal poverty level in the continental U.S. is $31,900 for a single individual, $54,300 for a family of three, and $87,900 for a family of six. (These amounts are higher in Alaska and Hawaii, since they have higher federal poverty levels).
That’s rough for a household of two, especially if they live in a high tax state.
If anything, people should chose the high deductible high OOP max HSA plan so you can take advantage of tax benefits.