Obamacare Insurance Options


  • Obamacare Marketplace
  • bronze

  • Lowest Level

  • Least Expensive
  • Maximizes use of Subsidy


  • Highest out of pocket costs

  • Actuarial Value targets covering 60% of typical healthcare costs each year
  • Young and healthy people who hardly ever see a doctor
  • Those who cannot afford higher premiums & Wealthier people unconcerned about out of pocket costs
  • Obamacare Marketplace
  • Silver

  • Subsidy Income Cap % is based
    on Silver Plan
  • 2nd Least Expensive
  • Maximizes use of subsidy


  • Lower out of pocket costs than Bronze
  • Actuarial Value targets covering 70% of typical healthcare costs each year
  • Healthier people

  • Only plan that qualifies for additional cost-sharing credits in addition to Federal Subsidy for those under 250% of FPL
  • Obamacare Marketplace
  • Gold

  • Highest level offered by
    many carriers
  • 2nd Most Expensive
  • Federal Subsidy will not cover the Premium difference between Silver and Gold
  • Lower out of pocket costs than Silver or Bronze
  • Actuarial Value targets covering 80% of typical healthcare costs each year
  • People with Medical Conditions

  • People who can afford higher premiums and want lower deductibles

  • Obamacare Marketplace
  • Platinum

  • Highest Level Available

  • The Most Expensive
  • Federal Subsidy will not cover the Premium difference between Silver and Platinum
  • Lowest out of pocket costs

  • Actuarial Value targets covering 90% of typical healthcare costs each year
  • Unhealthy people with Medical Conditions
  • People who know they will need a surgery or procedure and will hit their deductible


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