Health insurance Q: I’m choosing between 2 Anthem PPO’s, gold or silver. Gold is higher monthly fee, lower deductibles. Silver is low monthly fee, higher deductibles. In Cali. Any advice on deciding?

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Do you usually hit your deductible each year? And do you have a spouse or family and if so would their expenses go towards the deductible? if you don’t even come close to having the deductible then go with the silver plan

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Good point. No spouse or family, just me.

If you’re healthy and it is just you typically the higher deductible works out bc the plans monthly installments are less. Look at your max out of pocket as well.
For example if it is an 80/20 plan they cover 80% and you cover 20% up to a certain amount; if there is just a deductible see what their max coverages are.

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