Choosing health insurance is a personal decision. There are many things you will want to consider when selecting a plan like:
- Would you rather pay more each month (premium) and less when you see the doctor (co-pays, coinsurance or deductible)?
- Would you prefer to pay less each month (premium) and more when you need to see the doctor (co-pays, coinsurance or deductible)?
- Do you have a specific doctor you like to see? Some plans only include particular doctors. Use our Quick Cost & Plan Finder tool to see which plans include your preferred doctor. Because doctors can change insurance networks, we recommend contacting your health insurance company for the most up-to-date list.
- Do you take a specific medication? Use our Quick Cost & Plan Finder tool to see which plans include your preferred medication. Again, make sure to confirm this with your insurance company before you purchase.
Health plans are arranged into four levels of coverage (also known as metal tiers): platinum, gold, silver and bronze.
These levels show, on average, how much of the cost of medical services is covered by the health insurance company and how much is paid for by the customer. These expenses happen when you receive healthcare services – for example when you visit the doctor or the emergency room. Platinum plans will generally have the highest monthly premiums, while the customer will pay the least when receiving medical care. Bronze plans will generally have the lowest monthly premiums, while the customer will pay the most when actually receiving medical care. You can choose the level of coverage that works best for you.
Free, In-Person Help
Health insurance is complicated. If you need help sorting through your options to determine what will work best for your health needs and budget, consider talking to one of our certified Brokers across the state. They can advise you on specific plans and their services are free of charge.