If you don’t have health insurance coverage, it’s important to understand each plan before you choose one. Knowing all of the coverage details and benefits will help you decide which option is best for you and your family.  Don’t stress too much about your decision – every plan covers the essential health benefits. Here are the different categories that the Marketplace offers:

Bronze: While you pay about 40%, the plan pays almost 60% of your medical bills.

Silver: With this plan, you pay about 30% while the plan pays nearly 70% of your medical bills. For eligibility, your family size and income will be factored in. A major benefit of the Silver plan is that you will save more on out-of-pocket costs as well as paying lower deductibles and copayments.

Silver plans were the most popular of the health care categories in 2014, according to the Kaiser Family Foundation

Gold: You pay about 20%; the plan pays about 80% of your medical bills.

Platinum: You pay about 10%; the plan pays about 90% of your medical bills.

Catastrophic plans: This plan is only available to people younger than 30 years old or those who have a hardship exemption. Only three doctor visits per year are covered in this plan until the plan’s deductible is met. The negative aspect of this plan is that the out-of-pocket costs and deductibles are higher.


What is covered?

All health coverage plans cover these essential health benefits:

  • Outpatient or ambulatory care
  • Emergency services
  • Hospitalization
  • Maternity care
  • Mental health and substance abuse treatment
  • Rehabilitative and habilitative services
  • Laboratory services
  • Preventive care
  • Pediatric services
  • Vision and dental care for children


You can view a comparison of the plans at Healthcare.gov. Simply enter your zip code and check out what is offered in your area.

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