Disclaimer: If I suspect any injuries are inflicted by someone trying to manipulate the market those bills will not count, you will be banned from Manifold, and your sweepcash/mana confiscated. I also ask no one holds a position of more than 500 shares in the sweepcash market at any given point so incentives aren't too high lmfao.

I am finally working for Manifold as an FTE on an O1 visa!
This means I am now working in person and am currently enrolling for my health benefits.

My health insurance goes into effect February 2025 and this market will resolve based on my health bills for the following 12 months. If I stop being on this health insurance before the 12 months (eg. Manifold runs out of runway and I get made redundant), then I will resolve the market based on how much extra I have spent/saved up until that point.

I have two options (link to full plan details):

I'd have to pay around $365 extra for the platinum over the 12 months.

My main savings with Platinum is the difference in deductible. Platinum also has flat copay rates which tend to be around 10-20% cheaper than Gold's co-insurance payments on most low-cost items. However, for certain higher-cost items such as an MRI scan, Gold's co-insurance comes out cheaper than the flat copay rates.

As a general rule of thumb, it seems like:
-No to minimal health needs Gold saves me up to $360
-Low to high health needs Platinum is cheaper
-Very high health needs Gold becomes cheaper again due to the lower individual worst case and lower premium.

Some details about me:

-24, male, healthy, a bit under ideal weight.
-My main hobby is indoor rock climbing (although I would like to do more outdoors too). I enjoy going on hiking routes with graded scrambles. I enjoy snowboarding (although whether I would go in the next 12 months who knows).

-I do have various international travels to visit family/friend's weddings. I don't think one plan is particularly better suited for this though afaik and the usual deductible/copay/coinsurance comparisons apply for claiming reimbursement for international health emergencies.