In Portland OR a 40 year old non smoker can get a Platinum plan with a $100 deductible and a $1K out of pocket max for $289.17 per month. $10 office copay, $10 generic $20 brand name copay. With that plan your absolute worst case scenario including premiums is $4470 per year. I’ve seen the cheap non ACA plans people are comparing these to with deductibles as high as $10K before any real benefit kicks in. Healthnet CommunityCare POS Platinum $10/$100/$1,000.