Choosing a Plan

When choosing a plan, it is important to understand the monthly premium rate vs the plan benefits.  If you require care often, choosing a plan (Gold, Platinum) with a higher monthly premium might be a better choice to keep costs low when seeking services.  To the contrary, if you are relatively healthy and do not see the doctor often, a cheaper monthly plan (Bronze, Silver) might fit your situation - keeping in mind that services will cost more when seeing the doctor. 

Monthly premium rate

Bronze

Silver

Gold

Platinum

What you pay when care is received 

Metal tier

Plan Networks

Full network plans offer the most extensive doctor and hospital access.  Narrow networks or Micro network plans offer a contracted list of providers and hospitals.  When looking at health insurance plans, keep in mind the narrow or limited network plans will have lower monthly premiums compared to the full network plans.

Narrow

Limited

Broad