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I pay 780$/mo for a plan with a $13k max out of pocket. Where on earth are you getting 45$ ?

UnitedHealthcare -- though my plan may have been grandfathered in to be acceptable under ACA.

What state and how old are you? That seems insanely cheap compared every plan I've seen (high deductible or otherwise).

<30 midwest

Is this health insurance purchased via your employer? If so, is your employer subsidizing it?

Double digit premiums sound ridiculous, even for a male in their 20s. As a data point, I'm a <30 male, never been to a doctor with no health issues that I can tell, and my HDHP premium is $310ish, last year it was $275ish, but that's using healthcare.gov so completely unsubsidized, and I have a deductible of $1,500/$2,500 and out of pocket max of $3,600/$6,550 for their tier 1/tier 2 providers, respectively (whatever that means).

Note that GP had a much higher deductible.

Nope - the last workplace-provided insurance I had was my parents.

Notice the 12.5k is the deductible. The max out of pocket is likely much higher.

Since it was grandfathered in it doesn't have to offer all the benefits of the ACA.

I'm not sure if a grandfathered plan can have a maximum payout, but if it does that would explain the low cost.

Years ago I had a plan like this, it was cheap because they'd only pay a maximum 100k per year.

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