There are different types of Marketplace health insurance plans available to meet different needs.  Some plans restrict your provider choices or encourage you to get care from the plan’s network of doctors and hospitals.

Depending on the number of plans offered in your area, you may find any or all of these types of metal levels—Bronze, Silver, Gold, and Platinum.  As the colors suggest, the benefits are more enhanced as you move from Bronze to Platinum.

There are pros and cons for each option. It is important to choose the right option based on your needs. This is what you need to know as your get started:

  • Open Enrollment is from November 1 to December 15 with a January 1 start date. When enrolling December 16- January 15, it will start Feb 1. There are special instances that allow you to enroll at other times throughout the year, such as losing group health coverage or a change in Medicaid status
  • In some instances, you can get tax credits to help pay for your health insurance

ACA insurance is required to provide Essential Health Benefits for all plans, you will see additional benefits when we compare them side by side in the Marketplace. It includes the following general categories:

  • Ambulatory patient services (or outpatient care)
  • Emergency services
  • Hospitalization
  • Maternity and newborn care (before and after your baby is born)
  • Mental health and substance use disorder services (including counseling and psychotherapy)
  • Prescription Drugs
  • Rehabilitative services and devices (to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services including oral and vision care

Contact us for more explanation and help in selecting the right policy for you and your family.