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What Types of Obamacare Plans are Available?

It’s important to research your options and know what plans are available to you.

To help, we’ve outlined the health insurance plans available through Healthcare.gov. For starters, plans on the government exchange are offered at four levels and are referred to as “metal plans” because they are all designated by precious metals. Then there is a separate type of plan called a catastrophic plan that consumers can consider as well.

So, what’s the difference between the metal tiers?

Bronze Plan

The bronze plan is an economy plan. It has the lowest monthly premium, but the highest out-of-pocket costs. It is set up to have the insurance companies cover 60 percent of your healthcare costs, which leaves 40 percent to come out of your pocket. Because the out-of-pocket costs for this plan are high, it’s ideal for someone with good health who doesn’t plan on going to the doctor’s office often.

Bronze Plans Starting from $1/Day

Silver Plan

With this plan, 70 percent of out-of-pocket costs are covered by the insurance company, while the consumer covers the remaining 30 percent. The silver plan may be enticing to low-income individuals as you can only qualify for out-of-pocket savings (known as the cost-sharing reduction) by choosing a silver plan. You can, however, qualify for premium tax credits with any metal plan.

Silver Plans Starting from $3.33/Day

Gold Plan

The gold plan has insurance companies covering 80 percent of medical care costs, which leaves 20 percent to be paid by the consumer. In exchange for the lower out-of-pocket costs, consumers will have to pay a higher premium. This plan is great for people who require frequent care and as a result, prefer lower out-of-pocket costs.

Gold Plans Starting from $4.99/Day

Platinum Plan

The final plan of the “metal plan” family is the platinum plan. This plan has the highest monthly premium, but the lowest out-of-pocket costs. In fact, the consumer is responsible for only 10 percent of their medical costs, while the insurance company pays for 90 percent. As such, this plan is great for consumers with conditions that require constant care or prescriptions.

Platinum Plans Starting from $6.67/Day

Catastrophic Plans

A catastrophic plan is available to people who are 30 or younger, or someone who qualifies for a hardship exemption. With catastrophic plans, the consumer gets lower premiums and is covered for catastrophic medical events. But each catastrophic plan has a very high annual deductible (generally several thousand dollars per year) that must be met before the insurance kicks in.

Some of the more common hardship exemptions are:

  • Shut-off notices from local utility companies.
  • A recent bankruptcy filing.
  • Substantial debt in the past two years as a result of medical expenses.
  • You had taken on considerable debt in taking care of a sick or injured family member.

These government plans allow you to find coverage that fits your lifestyle and budget. Regardless of whether you decide to buy coverage from the government marketplace or the private exchange, just be sure to get covered before the open enrollment deadline.

by: George N Root III
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This website does not provide information about specific health plans, or enable visitors to obtain insurance quotes, on this website. However, if you provide your information and consent, we will transfer your information to insurance carriers and brokers that may contact you to offer Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. The advertisements appearing on this website are placed by clients from which QuoteLab, LLC receives compensation, and such compensation may impact whether such advertisements appear on this website and the order in which they appear.

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Note that even with a $0 premium Medicare Advantage plan, you'll still pay a monthly premium for Part B, and a Part D premium if your Medicare Advantage plan does not include prescription drug coverage (MA-PD).

Allowance Disclaimer: Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.

** Members may receive a monthly or quarterly allowance in the form of a benefits prepaid card to pay for a wide range of approved groceries and utilities. Unused amounts will expire at the end of the month or quarter.

*The benefits mentioned are Special Supplemental Benefits for the Chronically Ill (SSBCI). You may qualify for SSBCI if you have a high risk for hospitalization and require intensive care coordination to manage chronic conditions such as Chronic Kidney Diseases, Chronic Lung Disorders, Cardiovascular Disorders, Chronic Heart Failure, or Diabetes. For a full list of chronic conditions or to learn more about other eligibility requirements needed to qualify for SSBCI benefits, please refer to Chapter 4 in the plan’s Evidence of Coverage.

Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.

1Transportation services are issued as one-way trips and provided on an annual basis. Benefits vary by plan.