The silver actually only charges that copay if your IP. An outpatient office visit is straight copay. Im an insurance broker in nj. I don’t write individual plans but I’m familiar with them. Hope this helps. Good luck.

Which plan are you looking at ? Omnia silver has a 30 copay for mental health, no deductible. I’m sure it’s pricey depending on your age bracket.

It’s a federal mandated benefit. Mental health has to be treated the same as any other illness. So the rest of those benefits on marketplace plans are subject to that same high deductible. That’s how they make it “affordable “. It drives most of the cost to the member. But if you see an in network provider the cost is discounted and you only pay what insurance allows so even though you’re paying upfront to meet the deductible it may not be as high as you’re thinking.