Make plans for 2022 to be a healthier and happier year

Taking the mystery out of Plan Tiers

So, what’s the difference between bronze, silver and gold plans anyway? Let’s break it down so you can better compare your plan options.

Make sure to keep these two things in mind:

How often do you usually go to the doctor?

How much predictability do you need for medical costs?

Gold Plans

Generous coverage & predictable costs

Best for: People who expect to use their coverage often: ongoing prescriptions, frequent provider visits, etc. Most benefits have copays, so costs are more predictable.

Silver Plans

Moderate premiums and costs

Best for: Those who expect to use their plans occasionally and would like lower deductibles and more benefits than a Bronze plan.

Bronze Plans

Lower premiums & higher costs with use

Best for: Healthy individuals who want to minimize their monthly premiums and are comfortable with the risk of a higher deductible in the event of a high-cost health incident.

Catastrophic Plans

Lowest premiums

Best for: Those under age 30 who desire low premiums and expect minimal medical incidents. Coverage includes 3 primary care visits, then no other benefits until the maximum out-of-pocket (MOOP) is reached.

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