"I think women are more likely to be users of health care, and women have children, single women with children, who may be concerned [with] making sure their kids have health care," said Brasfield. "Let's face it, for a lot of things women are more conscientious than men ... a lot of men may go two or three years and not go to the doctor."
Drexel University professor Robert Field said it "surprised me" that the high-premium, low-deductible "platinum" plans were the second-most popular option on Kentucky's Obamacare exchange, with 30 percent of enrollees selecting those highest-priced packages. Silver plans, which are the second-cheapest offering, were the most popular, with nearly 39 percent of enrollment, while gold plans, which are the next level up in price, had 17 percent enrollment.
"Most people don't need coverage that expensive," said Field, author of the new book "Mother of Invention: How the Government Created 'Free-Market' Health Care."
"There's a limited number of people who will come out that much better from buying the platinum plan."
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Field noted that even less-than-healthy enrollees might be better off choosing cheaper plans than the platinum versions because the out-of-pocket maximums are the same for every tier of coverage offered on Obamacare exchanges: $6,350 for individuals, and $12,700 for a family.
Those maximums are not that much higher than the $5,000 or more deductibles that some bronze or silver plans have, plans which can cost significantly less in premiums than platinum or gold plans.