r/HealthInsurance • u/Starlight-Seeker • Jul 27 '25

Plan Choice Suggestions How Screwed Am I?

My employer is changing from Cigna to Planstin Administration which is apparently something called a reference based pricing plan. What is this? Please explain this to me in the simplest terms possible.

My benefits manager said that before every single doctor's appointment and every single test (labs, x-ray, etc), I'll need to contact Planstin's Care Coordination Team. I have multiple chronic medical conditions. I see a lot of specialists, get a lot tests done, and take multiple prescriptions.

How screwed am I with this type of health insurance?

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u/Comfortable_Two6272 Jul 27 '25

Curious if this meets minimum plan requirements under ACA? Or if op would now be eligible for ACA subsidy (provided meets income requirements)?

2

u/Starlight-Seeker Jul 27 '25

I'm being told it does meet the minimum requirements for the ACA.

2

u/Comfortable_Two6272 Jul 28 '25

I believe they need to provide written statement to that. Its been awhile since come accross non traditional employer insurance though.