all plans sold throught the marketplaces cap your total annual out-of-pocket spending at $6 350 per year. once you hit that total dollar amount your insurer must pick up the remainder of your medical expenses. if you qualify for a subsidy the amount you receive will be tied to the second lowest cost silver plan however you can apply it toward any of the plans. if you buy a gold or platinum level insurance policy you'll still receive your subsidy you'll just be required to pay the difference in cost.
i am concerned about medical bankruptcy. it looks as though i could get the bronze plan for free with a subsidy. . i currently use a colorado state medical plan that is not insurance. if i were to have a major medical event and be taken to a private hospital i would not be covered and could lose my house. under the bronze plan i pay 40%. does this mean if i have a $100 000 hospital bill i have to pay $40 000? is there a way to get the subsidy to pay for my insurance premium through my retirement plan which has better coverage than the bronze plan?