評估你目前的醫療需求，隨著您的家庭的病史在醫生的訪問頻率採取密切關注, specialty care and prescriptions
How much would you spend on medications you are currently taking?
What is your current household income, any anticipated changes?
How much can you afford to pay for out-of-pocket medical expenses (includes premiums and cost shares) considering other budgeted obligations
What are the deductible levels that would need to be paid before insurance kicks in
Consider making a sample budget or using a comparison chart to evaluate your plan options.
Keep in mind that paying a slightly higher premium for a plan that provides lower out-of-pocket costs and a higher percentage of coverage throughout the year may prove to be more cost effective in the long run.
Marketplace Plan Coverage options:
Marketplace plans are categorized by metal levels to help easily distinguish coverage levels. Each plan is designed to pay a percentage of the total medical bills up to its defined out-of-pocket maximum.
Bronze plansare designed to cover a minimum of60 百分 of the medical bills
Silver planswill cover a minimum of70 百分of medical bills
Gold planswill cover a minimum of80 百分of the medical bills
Platinum planswill cover a minimum90 百分of the medical bills
After you reach your plan’s established out-of-pocket maximum, every plan will pay 100% of theplan’s negotiated amountforcoveredmedical care.
速覽:There are no family policies sold through the marketplace. Each consumer receives insurance coverage as an individual and has their own policy, even if plans are purchased at the same time. The only exception is for newborn care, which will be covered temporarily under the mother’s policy.