Thank you, that's very informative! If you don't mind me asking, what would be an example of a high end insurance plan? Is this like a low deductible ("Gold") plan from regular carriers like Kaiser and Anthem?
Since aca I just use a platinum aca plan though I would not choose either of the companies you mention. Kaiser has its own network which defeats the purpose for me while Anthem is…just so terrible a company I will never ever buy from them.