There is a reason they are cheap...they suck In PA...Highmark BS...Bronze plan 5500 deduct 6350 out of pocket max 60% coinsurance $50 copay family doc $90 copay specialist no drug copays...instead covered at 60% after deduct So that 27 year old is paying $83/month ....$1000/year with no means to pay the deduct and copays BRILLIANT