ah so individual plan for 8k is not horrible but not great.
All would depend on how much your deductible/cost sharing out of pocket is. if they are very minimal then 8k would be very appropriate as you are paying the higher premium instead of higher deduct/oop.
She is most likely on a HSA-Plan. Health savings account, insurance plus the ability to save to pay future deductibles/out of pockets. employer probably contributes to the amount saved each year. my wife too has the same plan, they give her 2k this year and 1 k after that towards the HSA balance to carry forward till she needs it. Used to be 3k for first year and 2k every year after that.
ACA plans in dallas tx for an individual no subsidies start at 264 a month 3168 a year.
Molina Marketplace · Molina Marketplace Choice Bronze Plan
BronzeHMOPlan ID: 45786TX0020003
ACA no deductible / 7k out of pocket plans start at 390 / 4680
Molina Marketplace · Molina Marketplace Silver Plan
SilverHMOPlan ID: 45786TX0010002
Most expensive plan is around 7500. has 1k deductible and very low cost sharing (copay/out of pocket/coinsurance)
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actually wait times are not measured like this.
there are multiple measurements that are used.
wait times are exactly that, time you waited to be admitted to the ER and seen, not treated.
then there is time to treat
then there is time to transfer/admit
Time for pain meds.
etc
etc
A lot of this data is required submissions to the federal govt for things like medicare.
The app uses data from the Centers for Medicare and Medicaid Services on measures of “Timely and Effective Care.” These measures are based on a year’s worth of data that CMS updates quarterly. It includes averages for how long patients tend to wait before seeing a doctor, how long they spend in the emergency department before being sent home or admitted to the hospital, and how many leave without being seen at all. All data is reported voluntarily by hospitals, which have a financial incentive to participate.
This site tries to track the available data
https://projects.propublica.org/emergency/