For what it is worth, having been enrolled in FHP, there truly is no such thing as a free lunch. Many providers have opted out of accepting these plans because the payout is lousy and the patient pays no copay on top of the lousy payout, leaving fewer providers for more clients resulting in worse service. The plans are also strict HMOs with zero out of network coverage and referrals to specialists are not easy to come by. CHP B has a lot of the same limitations but a more extensive provider network so services are better.
The full premium level Tina18 refers to is basicly the insurance company saying, you are past the subsidized level, but we will happily sell you a policy, on our terms of course.