ObamaCare Healthcare Plans
Many people have already heard about the Affordable Care Act and how it has made healthcare more affordable throughout the US. The Obamacare Plan or ACA expanded the Medicaid program to cover adults based on their income and other factors making quality healthcare accessible to more people. The Obamacare health insurance plan offers various healthcare options under 4 major plans classified into “metal levels” or categories; Bronze, Silver, Gold, and Platinum.
Each Obamacare plan is based on the amount you will pay and the amount the insurance company will pay. All four plans include a monthly premium that is based on your income and will vary on a case-by-case basis. All health plans include free preventive services and other services may be added to your plan based on your personal needs. Information about each plan is listed below.
The Bronze Plan
The Bronze Plan is a great choice for anyone who requires few or minimal medical services. This plan is for someone who is in overall good health and plans to use the plan in case of emergencies or serious illness or injury. The deductible for this plan can be very high, and this could mean that your upfront fees are a lot more expensive than the other plans. Because of this, you can expect a low monthly premium but the costs when you need routine care will be a lot higher.
The Silver Plan
The Silver Plan is a moderate plan for those who don’t mind paying a little more for their monthly premium than they would for the Bronze Plan. This is the most common plan for those interested in Obamacare health insurance, and those who qualify for cost-sharing reductions are required to choose the Silver Plan healthcare option. With this plan, your deductibles or upfront costs for a doctor’s visit are usually lower than what they would be with the Bronze plan. This makes the Silver Plan a good choice for someone who plans to have more of their routine care covered.
The Gold Plan
The Gold Plan is ideal for anyone who plans to have more doctor’s visits and preventive care. With this plan, you can make use of various medical services without having to worry about paying more for medical treatment. The monthly premium you pay for the Gold Plan is a lot higher than what you would get with the Silver or Bronze plan, but you can expect more coverage for treatment when you need it.
The Platinum Plan
The Platinum Plan has the highest monthly premium but it offers the lowest costs when it is time for you to seek medical treatment. The Platinum Plan is a great option for anyone who plans to seek numerous medical services and is more likely have higher medical costs to do more visits and treatment. With this plan, you can rest assured knowing that nearly all of your medical costs are covered.
Choosing the plan that best suits your needs can be challenging and that is why it is best to work with a professional Obamacare health insurance expert. Here at Obamacare Assistance, we have an experienced team of healthcare plan specialist that can help you decide which plan is best for you.
Give us a call at 888-805-1433 to learn more or contact us here for a quote.