![]() ![]() Others require you to choose providers and facilities from those who are in-network - or you will be charged more. Some plans allow you to see almost any doctor you choose, anywhere you want. Plan types and networks: Do your research and make comparisons. Those costs include a deductible, copayments, and coinsurance. When you receive care, there may be out-of-pocket expenses or cost-sharing. The premium is your monthly payment to the insurance company whether or not you use health services. Total costs for healthcare: An insurance plan involves a monthly cost with out-of-pocket expenses when you need care. Metal tiers do not relate to the quality of care. Metal categories reflect costs by ranking your out-of-pocket expenses. There are three main areas to learn about before making your choice:įour metal categories: Understanding the cost-sharing differences between these plans can help you make the right decision for yourself and your family. If you believe you will need lots of doctor visits and medications, you might want to select a gold or platinum plan. If you want to qualify for help with your out-of-pocket costs, you must choose a silver plan. If you don’t expect to access much care, you might want to choose a bronze plan. ![]() You will need to estimate your household budget for the coverage year.Ĭonsider how much healthcare you expect to use and whether anyone who will be covered takes prescriptions regularly. What should I know before I pick an ACA insurance plan?įiguring out which health insurance plan to choose can be difficult. Platinum plans have the highest premiums but the lowest costs when you need health services. With bronze plans, you pay the least in premiums and the most when you need care. Each metal tier represents how you will split the costs of care with your plan. An even higher number is expected for the 2023 coverage year.ĪCA health insurance plans are organized into four metal categories: bronze, silver, gold, and platinum. More than 14 million people are enrolled in Affordable Care Act (ACA) marketplace health plans in 2022. ![]()
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