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The least freedom to choose your health care providers.Health Maintenance Organization (HMO)Īn HMO delivers all health services through a network of healthcare providers and facilities. To learn the specifics about a brand's particular health plan, look at its summary of benefits.
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Being familiar with the plan types can help you pick one to fit your budget and meet your health care needs. Take a minute to learn how these plans differ.
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Bronze: covers 60% on average of your medical costs you pay 40%.Silver: covers 70% on average of your medical costs you pay 30%.Gold: covers 80% on average of your medical costs you pay 20%.Platinum: covers 90% on average of your medical costs you pay 10%.In addition, deductibles - the amount you pay before your plan picks up 100% of your health care costs - vary according to plan, generally with the least expensive carrying the highest deductible. How are the plans different? Each one pays a set share of costs for the average enrolled person. If you are under 30, you may also be able to buy a high-deductible, catastrophic plan. Bronze plans have the least coverage, and platinum plans have the most. If you're buying from your state's Marketplace or from an insurance broker, you'll choose from health plans organized by the level of benefits they offer: bronze, silver, gold, and platinum. You have choices when you shop for health insurance.