HEALTH INSURANCE

Most carriers health insurance plans fall into three categories.

The different health insurance plans offer plan flexibility. So one may choose a health plan that‘s best for you and your family based on the amount of health care you‘re likely to need in coming years. Below, we have provided examples so you can see how costs change at each plan benefit level

Plan category highlights

Bronze Plans - lowest costs

• The plan covers 60% of your health care costs*
• You would be responsible for paying 40% of the costs

Silver Plans - Average costs

• The plan covers 70% of your health care costs*
• You would be responsible for paying 30% of the costs

Gold Plans - Higher costs

• The plan covers 80% of your health care costs*
• You would be responsible for paying 20% of the costs

The actual percentage you‘ll pay in total or per service will depend on the services you use during the year.

If you‘re healthy and don‘t go to the doctor often, you may want to choose a Bronze plan. With a Bronze plan, you may pay more out-of-pocket when you get care, but the advantage is that you save money on your monthly premium. Or you can choose one of the Gold plans, which may cost more per month —but you‘ll pay a smaller share when you get covered health care services.

No one knows for sure what the next year holds. That‘s why all of these plans protect you from really high costs by paying 100% of your care above a certain amount —that‘s called your out-of-pocket maximum. You‘ll be able to see the details of each plan level, once you start shopping and comparing our health insurance plans.

You May Purchase Health insurance through the Federal Market Place in your state or directly through the insurance carrier in your state. 

If you‘re eligible for financial help from the federal government —known as a subsidy —you can only get that subsidy if you buy a plan on the health care exchange marketplace.

When you‘re shopping for a plan on one of our personalized websites or carrier sites, you‘ll see our subsidy calculator. It will help you figure out if you‘re eligible for a subsidy. If you qualify for a subsidy based on your income and family size, our websites or carrier sites will help you get to the marketplace so you can take advantage of your subsidy.

If you‘re not eligible for a subsidy, you can purchase your plan directly from the carrier. It‘s simple, easy  and convenient and most carrier applications take less than fifteen minutes to complete.

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