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Oct 30, 2024 · The four health plan categories are offered by the U.S. federal government's Health Insurance Marketplace: Bronze, Silver, Gold, and Platinum. The category levels are defined by the percentage of ...
- Julia Kagan
Marketplace plans are put into 4 categories (or "metal levels"): Bronze, Silver, Gold, and Platinum. Catastrophic plans are a 5th category available to people under 30 and some people with limited incomes. The categories have nothing to do with the quality of care you get in a plan. Generally, the difference between categories is based on the ...
- 1. Lowest monthly premium 2. Highest costs when you need care 3. Bronze plan deductibles — the amount of medical costs you pay yourself before your...
- No matter which metal category you choose, you can save a lot of money on your monthly premium based on your income.When you fill out a Marketplace...
- Catastrophic health insurance plans have low monthly premiums and very high deductibles. They may be an affordable way to protect yourself from wor...
Categories (sometimes called “metal levels”) are based on how you and your insurance plan split costs. Categories have nothing to do with quality of care. (“Catastrophic” plans are available to some people.) For each plan category, you’ll pay a different percentage of total yearly costs of your care, and your insurance company will ...
- Health Maintenance Organization (HMO) An HMO delivers all health services through a network of healthcare providers and facilities. With an HMO, you may have
- Preferred Provider Organization (PPO) With a PPO, you may have: A moderate amount of freedom to choose your health care providers -- more than an HMO; you do not have to get a referral from a primary care doctor to see a specialist.
- Exclusive Provider Organization (EPO) With an EPO, you may have: A moderate amount of freedom to choose your health care providers -- more than an HMO; you do not have to get a referral from a primary care doctor to see a specialist.
- Point-of-Service Plan (POS) A POS plan blends features of an HMO with a PPO. With POS plan, you may have: More freedom to choose your health care providers than you would in an HMO.
Jun 14, 2024 · The health insurance tier system groups plans into four tiers, also known as categories or metal levels: bronze, silver, gold and platinum. This tier system helps indicate how the costs are split between you and your insurance company for any given health plan. There are two main types of costs associated with health insurance.
- Dylan Tate
May 3, 2023 · The four main health insurance plan types are HMO, PPO, POS, and EPO. Your health insurance plan category determines how you share costs with your insurer. If you’re shopping the Health ...
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Sep 18, 2023 · Insurance brands within each level can change, with some more common national brands including Blue Cross Blue Shield, Aetna, or Cigna. The main categories of healthcare plan types are Health Maintenence Organizations (HMOs), Preferred Provider Organization (PPOs), Exclusive Provider Organization (EPO), Point of Service Plan (POS), Catastrophic ...
