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It’s a money pit. If you’re young and low maintenance go for a high deductible plan or an HSA plan. On marketplace make sure you’re applying for a subsidy and to get most out of that, make sure you’re lowering your annual income by putting away money in a self directed 401k which is great and will benefit you long run. Solo401k is what it’s called.
Solo 401k you can put more money away than SEP - not all CPAs are familiar with it though.
I have Oscar
They seem to be the easiest to use. Since I'm relatively healthy I got the bronze plan.
I’m on my wife’s plan.
Lucky you. Stag here.