The story is a detailed guide to shopping for insurance on the ACA marketplaces, with a specific focus on the needs of baby boomers, my column’s core audience. The article came out as the deadline approached to enroll for coverage beginning Jan. 1. I define all the terms that are used to describe plans on the exchanges. I explain the “out-of-pocket maximum,” a term that by then had proved to be confusing to many health-exchange shoppers, in detail that I didn’t see in other publications, outlining what counts toward that calculation and what doesn’t.
