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Four aspects to consider when choosing a marketplace health plan

Choosing a health plan can be difficult. Knowing a few things before comparing Marketplace plans can make it easier.

Categories of Marketplace insurance plans: Bronze, Silver, Gold, and Platinum. Plans in these categories differ based on how you and your plan share the costs of your care. The categories have nothing to do with the quantity or quality of care you receive. If you often go to the doctor it would be wise to consider a Gold or Platinum plan. You will pay a higher monthly premium, but fewer out-of-pocket costs for each medical visit.

Deductible. Is the amount you pay before your health plan covers the costs of medical services. If you are likely to have mayor surgery, for example, we recommend a lower deductible. How often do you or your family need medical care?

Consider the health plan's network of doctors and hospitals. The last thing you want is to need to see a specialist and find that your plan only has a handful available in your service area. Many of the lower price marketplace plans have lower monthly premiums because they have a small number of doctors and hospitals in their network. Key question: Do you have a preferred doctor you see regularly?

Prescriptions. Different plans may have different coinsurance for covered prescriptions. Check the plan to understand what your coverage would be. Ask yourself: What prescription drugs do I or my family need? How often do I need them?

It is normal to feel overwhelmed or have questions about health insurance plans. There are many ways to get help. You can email your questions or call to speak with a representative. We can help you answer any question, big or small. Call us 866-508-0003 or write us at

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