You have to understand something.....there are no "obamacare" plans.......there are plans that are compliant with the law.... and that is all of the new available healthcare plans. You will find those on the exchange or carrier websites. It doesn't matter if do it on the govt website or not, the offerings are the same with regards to the carriers offerings. So any BCBS given offering on the government exchange will be the same as going direct to the carrier.
I believe you have to have 2 total employees to have a employer plan but that may have changed. Either way, most HSA certified plans would probably fit what you need, if you're used to paying an amount of cash before the deductible.
Watch this here for more info...
It's a decent video but he does miss some points, as highlighted here by one of the first comments to the video.
Dave does a poor job of making a key point clear in this discussion - that an HSA is NOT an insurance plan - it is a savings account. Contributions to the account are made possible by participation in a particular type of insurance plan - a Qualifying High Deductible Health Plan (QHDHP). Some important things to remember about an HSA are these; (1) The money that goes into an HSA is yours. Forever. Period. You can use it for qualifying medial expenses without paying taxes on it. If you change jobs, change insurance, etc, you still get to keep your HSA. (2) As long as you are covered by a QHDHP, you can contribute up to the IRS allowed maximum ($7,000 for a family in 2019), but you are not REQUIRED to contribute a dime. It's a SAVINGS account! (3) If you are only covered by a QHDHP for part of the year, you can contribute that percentage for which you had QHDP coverage, so for example if you have a QHDP for 6 months you could contribute $3500 in 2019. If you have a QHDP for 3 months in 2019 you can contribute $1750. (4) If you lose your insurance or change jobs and your new employer does not offer a QHDHP, you can still keep your HSA, and use any funds that are in it for QMEs, but you can not CONTRIBUTE to it until you are again covered by a QHDHP. (5) You can contribute to your HSA at any time during the year. You do NOT have to make contributions with each paycheck. You can wait and make one lump-sum contribution at the end of the year (technically, through April 15 of the following year) if you so choose. (6) Contributions made to your HSA are not taxed. They are an "above the line" deduction, meaning that it's like you never earned the money when it comes time to figure your taxes. So, if your gross for the 2019 is $100,000 but you contribute $7,000 to your HSA, your taxes will be figured based on $93,000.
By obamacare I mean health insurance plans that comply with ACA. I didn't see any QHDHP plans, certainly not any plans that were significantly cheaper on premium. I selected one of the cheaper plans, $5k deductible I think with 15-16k family out of pocket. Basically, we've never seen a dime from the insurance for the last several years. I'll check some more and see if HSA makes sense. Thanks for the link.