I was punching some numbers into Covered California marketplace and for $12K you could get some pretty good plans. And if you qualify for the subsidy it is much lower. Some of the HMO plans have no or low deductibles.
Sounds like California has a much nicer market than we do in Ohio. I had one provider to choose from in the Marketplace for my county in 2019. Their "Silver" plan was what we had in 2018, chosen over the "Bronze" because the lower-priced "Bronze" was 20% co-insurance on inpatient care versus 100% coverage after deductible on "Siler". Aside from that company's plans those who purchased on the Marketplace in my county for 2019 had no other choices.
