I recall similar. I had to sign up but could use my private insurance instead, but if so, not eligible to put it into force for 2 years. I wonder if that's the penalty Marshel54 wife has? Interesting you have that experience Backwoods Savage , I remember you mentioning that before. I have the opposite experience, every time I see a doc or have tests run my advantage plan picks up a substantial part of the bill that otherwise would come out of my pocket. I currently need a med not in the forumulary, could not even get it approved for tier 4
