![]() ![]() If you use a lot of care, a Gold plan could be a good value. Good choice if: You’re willing to pay more each month to have more costs covered when you get medical treatment.Deductibles - the amount of medical costs you pay yourself before your plan pays - are usually low.Good choice if: You qualify for “extra savings” - or, if not, if you’re willing to pay a slightly higher monthly premium than Bronze to have more of your routine care covered.If you want to change plans, you can enroll in a Bronze, Silver or Gold plan that meets your needs and fits your budget. If you’re enrolled in a Silver plan and lose your cost-sharing reductions: You’ll qualify for a Special Enrollment Period.(Silver plans may also be available if you’re eligible for a premium tax credit and can enroll through a Special Enrollment Period based on estimated household income.) You can save hundreds or even thousands of dollars per year if you go to the doctor a lot. : You must pick a Silver plan to get the extra savings. In the Health Insurance Marketplace®, cost-sharing reductions are often called “extra savings.” If you qualify, you must enroll in a plan in the Silver category to get the extra savings. Silver deductibles - the costs you pay yourself before your plan pays anything - are usually lower than those of Bronze plans.Ī discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance. ![]() Your monthly premium will be low, but you’ll have to pay for most routine care yourself. ![]() Good choice if: You want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury.Bronze plan deductibles - the amount of medical costs you pay yourself before your insurance plan starts to pay - can be thousands of dollars a year.Which health plan category is right for you? Bronze How you and your insurance plan split costs Estimated averages for a typical population. They have nothing to do with quality of care. FYI Health plan categories are based on how you and your plan split the costs of your health care. ![]()
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