Once you get an answer, your next step is to complete an application with either the Health Insurance Marketplace or your state’s own marketplace to see plans and prices. You’ll next answer a few questions to see if you qualify for discounted or full-price coverage. Depending on where you live, you may be redirected to a different website.
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Go to /screener/ and enter your ZIP code. How to find out if you qualify for an Affordable Care Act planīefore you start thinking about which plan you’ll choose, you should first find out if you actually qualify for the Affordable Care Act. Spending more on a premium plan may actually help you save money in the long run. Note that your premium is based on your income, so if you have a lower income, your premium could cost less. If you are under 30 years old or have an exemption based on inability to afford health insurance, you can qualify for a Catastrophic plan, which has a very low monthly premium and a very high deductible. If you are currently receiving treatment or expect to need regular medical attention, the Gold and Platinum options could be the best options for you. For instance, if you’re healthy and only expect to need to use your insurance for emergencies, you might opt for the Bronze or Silver plan. Since the deductible is very low, your plan will start paying your medical costs sooner than any of the other options.ĭeciding which plan to choose depends on your lifestyle, how often you’ll need health care and what sort of medical treatment you require. Platinum: The most expensive monthly premium gives you the lowest costs when it comes to medical care. A low deductible means the amount of medical costs you pay out of pocket will be much less than with the Bronze and Silver plans. Gold: This plan includes a high monthly premium, and low costs when you need health care. It will cost you more than the Bronze option, but your costs for medical treatment will be less than if you went with the Bronze plan. Silver: This middle-of-the-road coverage comes with a moderate monthly premium. The Bronze plan deductible is generally much higher than the other options, so you’ll pay more out of pocket until your deductible is met. Here’s a breakdown of how each plan works.īronze: You’ll pay the lowest monthly premium, but you’ll pay more when it comes to paying for care. For each plan, you should see Bronze, Silver, Gold and Platinum options. The state you live in determines which health care providers you can use, assuming you qualify for the Affordable Care Act (see below). What health insurance plans are available under the Affordable Care Act? For additional reading, here’s the best time to start collecting your Social Security benefits.
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We’ll tell you when open enrollment begins for health plans under the Affordable Care Act and how to sign up at.
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