Protect your wallet by finding a health plan that fits you

The average consumer has 30-40 health plans available so you might need to evaluate dozens of plans to find the right one.

#yourhealthplan should:

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Protect your health
and quality of life

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Provide access to doctors, hospitals, treatment and prescriptions

Aside from your health, #yourhealthplan should protect your wallet.

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ImageCONSUMER PROFILES

Let's look at 3 people with different healthcare needs

ImagePlans

Consumers need an insurance plan that works for them, based on their use of healthcare.

Each of the four plans below has unique costs.

Bronze Silver Gold Platinum
Monthly PremiumCloseDetails
$167.75 $248.79 $299.26 $344.96

Let’s break this down even further.

Here is what each person would have spent on 4 different health plans.

Hover over the bars to see how well each plan fits each consumer’s needs.

ImageOptimal Plan
  • $10k
  • $9k
  • $8k
  • $7k
  • $6k
  • $5k
  • $4k
  • $3k
  • $2k
  • $1k
  • $0
LARRYHealthy
  • $10k
  • $9k
  • $8k
  • $7k
  • $6k
  • $5k
  • $4k
  • $3k
  • $2k
  • $1k
  • $0
STEPHANIEType 2 Diabetes
  • $10k
  • $9k
  • $8k
  • $7k
  • $6k
  • $5k
  • $4k
  • $3k
  • $2k
  • $1k
  • $0
BENMultiple Conditions
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Bronze

Larry is very healthy and uses little medical care beyond preventive care. For the year on the bronze plan, Larry would pay:

Image Premium $2,013
Image Medical $109
Image Drug $47
Total $2,169

Choosing a lower-premium bronze plan is perfect for Larry because he doesn’t need the greater coverage of a higher-premium plan.

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SILVER

Larry is very healthy and uses very little medical care beyond preventive care. For the year on the silver plan, Larry would pay:

Image Premium $2,985
Image Medical $25
Image Drug $17
Total $3,027

Larry doesn’t need the greater coverage of the higher-premium silver plan. Knowing his healthcare needs, he would overspend by $858, mostly for higher premiums on coverage he does not need.

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GOLD

Larry is very healthy and uses very little medical care beyond preventive care. For the year on the gold plan, Larry would pay:

Image Premium $3,591
Image Medical $10
Image Drug $0
Total $3,601

Larry doesn’t need the greater coverage of the higher-premium gold plan. Knowing his healthcare needs, he would overspend by $1,432, mostly for higher premiums on coverage he does not need.

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PLATINUM

Larry is very healthy and uses very little medical care beyond preventive care. For the year on the platinum plan, Larry would pay:

Image Premium $4,140
Image Medical $25
Image Drug $8
Total $4,173

Larry doesn’t need the greater coverage of the higher-premium platinum plan. Knowing his healthcare needs, he would overspend by $2,004, mostly for higher premiums on coverage he does not need.

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Bronze

Stephanie has a chronic condition that requires ongoing medication and specialist visits in addition to preventive care. For the year on the bronze plan, Stephanie would pay:

Image Premium $2,013
Image Medical $328
Image Drug $5,915
Total $8,256

Low premium doesn’t always mean low cost, because the high deductible forces Stephanie to pay the full price of most of her care. If she chooses this plan, she overspends by $4,620, mostly in pre-deductible drug costs.

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SILVER

Stephanie has a chronic condition that requires ongoing medication and specialist visits in addition to preventive care. For the year on the silver plan, Stephanie would pay:

Image Premium $2,985
Image Medical $60
Image Drug $629
Total $3,674

The low drug deductible and copay for generic drugs on the silver plan makes this almost the perfect plan for Stephanie. However, If she chooses this plan, she overspends by $38.

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GOLD

Stephanie has a chronic condition that requires ongoing medication and specialist visits in addition to preventive care. For the year on the gold plan, Stephanie would pay:

Image Premium $3,591
Image Medical $45
Image Drug $0
Total $3,636

Low premium doesn’t always mean low cost, and the gold plan’s $0 drug deductible and $0 copay for generic drugs make it the perfect plan for Stephanie.

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PLATINUM

Stephanie has a chronic condition that requires ongoing medication and specialist visits in addition to preventive care. For the year on the platinum plan, Stephanie would pay:

Image Premium $4,140
Image Medical $60
Image Drug $296
Total $4,496

Though she uses a moderate amount of healthcare during the year, Stephanie doesn’t need the higher coverage of the higher-premium platinum plan. The plan design isn’t a good fit for the type of care Stephanie uses, and she will overspend by $860.

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Bronze

Ben has multiple chronic conditions that require ongoing medication, specialist visits, ER visits and hospital stays in addition to preventive care. For the year on the bronze plan, Ben would pay:

Image Premium $2,013
Image Medical $4,211
Image Drug $2,039
Total $8,263

Low premium doesn’t always mean low cost, making the bronze plan a poor fit for Ben. Although he hit his OOP maximum, he could get a lower OOP max on the platinum plan. If he chooses this plan, he overspends by $2,623.

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SILVER

Ben has multiple chronic conditions that require ongoing medication, specialist visits, ER visits and hospital stays in addition to preventive care. For the year on the silver plan, Ben would pay:

Image Premium $2,985
Image Medical $1,597
Image Drug $4,703
Total $9,285

The silver plan is a poor choice for Ben. Although he would hit his out-of-pocket maximum, he could get a lower OOP max on the platinum plan. If he chooses this plan, he overspends by $3,645.

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GOLD

Ben has multiple chronic conditions that require ongoing medication, specialist visits, ER visits and hospital stays in addition to preventive care. For the year on the gold plan, Ben would pay:

Image Premium $3,591
Image Medical $3,080
Image Drug $420
Total $7,091

The gold plan isn’t quite suited to Ben. Although he would hit his out-of-pocket maximum, he could get a lower OOP max on the platinum plan. If he chooses this plan, he overspends by $1,451.

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PLATINUM

Ben has multiple chronic conditions that require ongoing medication, specialist visits, ER visits and hospital stays in addition to preventive care. For the year on the platinum plan, Ben would pay:

Image Premium $4,140
Image Medical $1,252
Image Drug $248
Total $5,640

High premium doesn’t always mean high cost, and the platinum plan is perfect for Ben. The very low OOP costs and OOP maximum more than compensate for the higher premium.

ImageTHE BOTTOM LINE

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Even 10 minutes of comparison shopping could save you $1,000.
— @JeffSmedsrud, CEO of HealthCare.com