I just signed up this morning via the NY State exchange site. There were no good HSA options, unfortunately. That is what I had wanted but the premium was $500 per month, significantly more than I am paying for a bottom-of-the-line silver plan.
I will pay roughly $275 per month. My deductible is $1,750; I wish that were lower. The plan does not cover vision or dental. My plan is with a new company, so there is no quality rating yet; I'll just have to hope it's OK. As I've been uninsured for the last 2 years, I am glad to have something that does not seem to be total crap, and may even be good. My normal practitioners are not on the plan but there is a decent local clinic that participates, so I will probably start going there for care. It appears that my plan will pay up to $400 per year for a gym, which would be at least 75% of the membership fee at the YMCA where I like to swim. If I'm understanding that correctly, it's a big plus.
I had been hemming and hawing about actually signing up, but fell and injured my ankle pretty badly last night, and pulled the trigger this morning. As I was writhing in pain I found myself saying, 'Please don't be broken, please don't be broken,' and realized I should not wait. I was lucky to escape an emergency-room visit. If medical attention is needed later on I will try my best to wait until Jan. 2.