According to the KFF subsidy calculator, a 60-year-old with a $100,000 income, has to pay a premium (net of subsidy) of $708 a month or $8496 a year. The annual out-of-pocket exposure is $9,450.
If the individual has costly health problems, he will have to pay $17,946 before the health plan begins paying all other expenses. If his illness is chronic, he must bear this expense every year.
If the individual goes out-of-network, because the plan doesn’t cover the specialty care he needs, the plan pays nothing.