We ended up selecting the BCBSVT Vermont Preferred Silver 87, which provides a subsidy for our monthly cost as well as our co-pays and deductibles. On this plan, we pay $52 a month for two adults. Coverage for children varies wildly by state and Vermont automatically covers all children for free if you are under 400% FPL (there’s no other option). In general, it seems that if your income is under 400% FPL, it will probably make sense to get a Silver CSR plan if you qualify.Frugalwoods.com
400% of the federal poverty level for a family of four is $111,000 in 2022. For an individual it is $54,360.
While Medicare beneficiaries are heavily subsidized for Part B and D, by comparison a Medicare couples basic premium of $340 a month plus Part D around $70 more for two seems less subsidized than the family of four shown above. Oh, add another $400 a month or so for Medigap.