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What's best for you?
Which plan is best for you depends on several things, but primarily on whether you have some health or medical problems and expect to need a lot of medical care and services during the year, or whether you are in excellent health and need a health plan just in case something happens.
Keep in mind, all plan levels—bronze, silver, and gold—cover most preventive care, including screenings and immunizations, in full, with little or no out-of-pocket costs to you.
Bronze $
- Lowest monthly premiums
- Higher out-of-pockets costs—deductibles, copays, and coinsurance
- Higher out-of-pocket maximums (the most you'll pay in a year)
- On average, pays 60 percent of your healthcare costs
- May be the best choice if you don’t expect to need much medical care
Silver $$
- Higher monthly premiums than bronze, lower than gold
- Lower out-of-pocket costs than bronze, higher than gold
- Lower out-of-pocket maximums than bronze, higher than gold
- On average, pays 70 percent of your healthcare costs
- The "middle" choice
Gold $$$
- Highest monthly premiums
- Lowest out-of-pocket costs
- Lowest out-of-pocket maximums
- On average, pays 80 percent of your healthcare costs
- May be the best choice if you expect to need a lot of medical care
Plans with HSAs
Another term you’ll see in some plan names is HSA, which stands for health savings account. These plans generally have high deductibles, meaning you’ll pay that amount for medical costs before your health plan’s coverage kicks in. These plans may have special tax advantages, and allow you to set up a special bank account for medical expenses. Because these plans have high deductibles, they generally have lower premiums. You should make sure you understand how these plans work before choosing them.
Other factors that affect the cost of plans
- The number of people to be covered by the health plan
- The ages of people covered
- Where you live (your county)
- Income—determines whether you are eligible for financial assistance
- Whether you use tobacco
Call us at 813 964 7100 if you have any questions about your health plan or if you need a quote for a health plan.
