Your Mission

You and your partner just had your first baby, Lily, born on March 28th. Congratulations — but now the clock is ticking. You have exactly 60 days from her birth to enroll your family in a new health insurance plan through the Healthcare.gov marketplace, which means your hard deadline is May 27th. Right now you're on your partner's employer plan, a high-deductible Bronze plan that doesn't cover your pediatrician, Dr. Reeves at Lakeview Children's Clinic, and has a $6,800 individual deductible. You've pulled up three marketplace plan options — a Blue Cross Silver plan ($412/month premium, $3,500 deductible, $8,200 out-of-pocket max), an Aetna Gold plan ($578/month, $1,200 deductible, $6,500 out-of-pocket max), and a Molina Silver plan ($295/month, $4,000 deductible, $8,700 out-of-pocket max). Your combined household income is about $54,000, which you think qualifies you for a subsidy, but you're not sure how much. You need to figure out which plan actually covers Dr. Reeves, estimate your real out-of-pocket costs for a year of well-baby visits and vaccinations, and get enrolled before the deadline — all while running on three hours of sleep.