Find the Right Plan for Your Healthcare Needs

Compare ACA Marketplace plan types and choose coverage that fits your health, budget, and lifestyle.

Understanding Metal Tier Categories

All ACA plans cover the same essential health benefits - the difference is how costs are shared

Bronze

Monthly Premium: Lowest

Plan Pays: 60%

Deductible: Highest

Best For:

Young, healthy individuals who don't expect many medical expenses

✓ Lowest monthly premiums
✓ Highest out-of-pocket costs
✓ Good catastrophic protection
✓ Preventive care covered at 100%

Silver

Monthly Premium: Moderate

Plan Pays: 70%

Deductible: Moderate

Best For:

Those who qualify for cost-sharing reductions (subsidies)

✓ Balanced premiums and costs
✓ Cost-sharing reductions available
✓ Good middle-ground option
✓ Most popular tier

Gold

Monthly Premium: Higher

Plan Pays: 80%

Deductible: Lower

Best For:

Individuals with regular medical needs or chronic conditions

✓ Higher monthly premiums
✓ Lower out-of-pocket costs
✓ Better for frequent care
✓ Predictable expenses

Platinum

Monthly Premium: Highest

Plan Pays: 90%

Deductible: Lowest

Best For:

Those with significant medical needs or who want maximum coverage

✓ Highest monthly premiums
✓ Lowest out-of-pocket costs
✓ Best for serious conditions
✓ Maximum peace of mind

Remember: A higher metal tier means lower out-of-pocket costs when you need care, but higher monthly premiums. Choose based on how often you expect to use healthcare services.

Plan Types Explained

Understanding the differences between plan structures

HMO (Health Maintenance Organization)

Lower costs with a primary care physician and network restrictions

✓ Advantages

+ Lower monthly premiums
+ Lower out-of-pocket costs
+ No claims to file
+ Predictable costs

Considerations

- Must choose primary care doctor
- Need referrals for specialists
- Limited to network providers
- Less flexibility

PPO (Preferred Provider Organization)

More flexibility to see any provider with higher costs

✓ Advantages

+ See any doctor/specialist
+ No referrals needed
+ Out-of-network coverage
+ Maximum flexibility

Considerations

- Higher monthly premiums
- Higher out-of-pocket costs
- More expensive out-of-network
- May file claims

EPO (Exclusive Provider Organization)

Network-only coverage without referrals

✓ Advantages

+ No referrals needed
+ Lower premiums than PPO
+ Direct specialist access
+ Good middle ground

Considerations

- No out-of-network coverage
- Limited to network
- Emergency-only exceptions
- Less flexible than PPO

POS (Point of Service)

Hybrid combining HMO and PPO features

✓ Advantages

+ Primary care coordination
+ Some out-of-network coverage
+ Referrals provide discounts
+ Balance of cost and flexibility

Considerations

- Needs primary care doctor
- Higher cost without referrals
- Complex plan structure
- Variable costs

Additional Coverage Options

Enhance your health plan with supplemental coverage

Dental Insurance

✓ Preventive care (cleanings, exams)
✓ Basic procedures (fillings, extractions)
✓ Major work (crowns, bridges)

Vision Coverage

✓ Annual eye exams
✓ Prescription glasses or contacts
✓ Discounts on LASIK and frames

Hearing Services

✓ Hearing exams and tests
✓ Hearing aids and devices
✓ Maintenance and repairs

Not Sure Which Plan is Right for You?

Our licensed advisors will help you compare plans and choose the best coverage for your needs and budget.

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