First Health PPO No Deductible, $170 Policy Fee, Client Confused

They told client they must sign up now or the rates will go up.

Clients are confused about what is being offered, among the tens of phone calls coming in once she thought she was going on healthcare.gov. Example, First Health was mentioned as carrier: "no deductible", some kind of "bulk group pricing", no mention of whether or not is MEC, or a scheduled plan. Supposed to be that the carrier "buys a group price", then closes out the group, and the prices for the next group go up, so better buy today. Gibberish? Or am I missing something.

Premium example: $453/month, no deductible, couple, a
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