What types of plans will be available?

There are four categories of Marketplace insurance plans:

1. Bronze
2. Silver
3. Gold
4. Platinum

Catastrophic plans available to people under 30 and those with very low incomes

What do the plans cover?

All plans will cover a comprehensive package of items and services known as essential health benefits:

1. Ambulatory patient services
2. Emergency services
3. Hospitalization
4. Maternity and newborn care
5. Mental health and substance use disorder services, including behavioral health treatment
6. Prescription drugs;
7. Rehabilitative and habilitative services and devices
8. Laboratory services
9. Preventive and wellness services and chronic disease management
10. Pediatric services, including oral and vision care

How will I know which plan is right for me?

• Premiums are usually higher for plans that pay more of your out-of-pocket medical costs when you get care.
  
  • If you have a Platinum plan, you’ll likely pay a higher premium and have lower costs when you go to the doctor.
• When choosing your health plan, keep these general rules in mind:
  
  • The lower the premium, the higher the out-of-pocket costs when you need care.
  • The higher the premium, the lower the out-of-pocket costs when you need care.
• Do you need regular prescriptions or expect a lot of doctor visits?
  
  • If so, then you may want a Platinum or Gold plan.
  • If you don’t, you may prefer a Silver or Bronze plan.