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In order to get an Affordable Care Act Plan, you must sign up during Open Enrollment. If you missed Open Enrollment, you can still get an ACA plan during Special Enrollment. You qualify for Special Enrollment if you, or someone in your household, recently experienced certain life events — such as losing health coverage, changing jobs, having a child, moving, or getting married or divorce.
Health, Dental, Vision, and Hospital Indemnity.
The bronze level is also the least expensive of all the levels and has a 60/40 split for coverage after the deductible has been met. Bronze plan deductibles are also high. This type of plan is a step above catastrophic coverage and is best for those who want health care coverage for worst-case scenarios.
A silver level plan has a higher monthly premium than the bronze level and offers more coverage with lower costs. The split for coverage on silver plans is 70/30. Deductibles tend to be lower as well, and if you qualify for cost-sharing reductions, you can save even more money on your medical care. However, the cost-sharing reductions are available at the silver level only.
A gold plan tends to have a high monthly premium, but it can also cost the same as a silver plan in some areas. These plans have lower deductibles and lower costs of healthcare. The cost split for a gold plan is 80/20.
The platinum level is the most expensive of all the plans, and provides the most coverage for healthcare. The deductibles are the lowest, and the cost split is 90/10. A platinum plan makes the most sense for those who need ongoing healthcare and want the assurance that almost all costs are covered.
You can enroll in coverage right now through special enrollment.
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