During Open Enrollment, you may be able to keep the health insurance plan you currently have or change your plan based on new needs in coverage or cost. Think about a new ACA plan for more coverage or lower health insurance costs .
With a Bronze plan, you receive the lowest monthly premium, but it has the highest deductible. A Bronze plan is your best choice when you do not visit your doctor beyond preventive care visits, but want peace-of-mind protection for medical emergencies.
Silver plans have a slightly higher average monthly premium but offer a lower deductible than a Bronze plan. If you qualify, you can save even more with the Silver plan by receiving a health insurance subsidy, including an Advanced Premium Tax Credit and Cost-Sharing Reductions.
Selecting a Gold plan means the monthly premium is higher, and the deductible is low. Gold is the best plan if you require a lot of healthcare because almost all of your routine medical care costs are covered.
When you choose a Platinum plan, you receive the highest monthly premium and the lowest deductible. Platinum is the preferred plan when you rely on regular medical care and want the most coverage.