Top 10 Tips for Choosing the Right Insurance Plan
This plan level is popular with individuals and families who need medical care often, want to pay a moderate monthly premium, and are interested in possibly reducing out-of-pocket costs with cost-sharing reductions based on their income. Only Silver plans offer these extra savings. Gold and Platinum plans have higher monthly premiums, but they cover more of your healthcare expenses, so you pay less when you receive care. They also feature lower deductibles than Silver plans. These plans may be a better option for those who don't qualify for extra savings.
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Gold Plan
A Gold plan is an option if you need to pay for frequent medical services and want your insurance provider to share more of the cost of care. Compared to Silver plans, Gold plans have higher monthly premiums but lower out-of-pocket costs for care.
Gold plans also come with prescription drug coverage, annual checkups and immunizations. However, they don't usually cover cosmetic surgery or treatments, vaccines to prevent traveling illnesses, or travel-related accidents.
When you compare a Gold exchange plan with Bronze or Silver plans, you'll find they have similar monthly premiums, but differ in how much you pay for medical services before the insurance starts to cover your expenses (described as deductibles and coinsurance). The cheapest Gold plans have the lowest out-of-pocket costs and smallest deductibles of any metal level. They're an ideal option for those who need comprehensive health coverage.
7. Platinum Plan
The Platinum Plan is one of four tiers of health insurance available through the individual marketplace, also known as Obamacare. It provides the most extensive coverage with the highest monthly premiums, but also the lowest out-of-pocket costs. It’s best for people who expect to use a lot of healthcare services, but can afford the higher cost.
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Each ACA plan category, or metal level, pays a certain percentage of your medical bills. The Platinum plan pays 90%, leaving you with 10% through deductibles, copayments, and coinsurance.
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