How to pick a health insurance plan
3 things to know before you pick a health insurance plan
How to Choose a Plan inĀ Ā Ā Ā Ā
the Health InsuranceĀ Ā Ā Ā Ā
MarketplaceĀ®
the Health InsuranceĀ Ā Ā Ā Ā
MarketplaceĀ®
Choosing a health insurance plan can be complicated. Knowing just a few things before youĀ compare plansĀ can make it simpler.
- The 4 āmetalā categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care.
- Your total costs for health care: You pay a monthly bill to your insurance company (a "premium"), even if you donāt use medical services that month. You pay out-of-pocket costs, including aĀ , when you get care. Itās important to think about both kinds of costs when shopping for a plan.
- Plan and network typesĀ āĀ ,Ā,Ā, andĀ: Some plan types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you use providers outside their network.
Remember that plans also may differ in quality.Ā Learn more about quality ratings.
More Answers: What to know before you pick a health insurance planĀ
You can search, compare, and assess providers, hospitals, and other care facilities usingĀ these tools.
Use this quick tool toĀ see if your income estimate falls in the range for a premium tax credit and cost-sharing reductions. The type of savings you qualify for may affect which plan category is the best fit for you.
You can view a summary of benefits, a plan brochure, a provider directory, and a list of covered drugs for each plan. Youāll find links to all of these when youāre comparing Marketplace plans orĀ previewing plans and pricesĀ before you log in.
You can also search for your doctors, medical facilities, and prescription drugs when you compare plans. Select your doctors, hospitals and other medical facilities, and prescription drugs. When you view plans, weāll tell you if each one covers them in network.