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Millions of Americans are looking at the new insurance options they have under the Patient Protection and Affordable Care Act, also known as Obamacare. Most people are familiar with the bronze ...
Coverage: Some plans may offer benefits in addition to the standard required ones. Quality of care: Each plan has a quality rating on a scale of 1 to 5 stars. A person can compare to the ratings ...
Obamacare maintained the concept of health insurance exchanges as a key component of health care. President Obama stated that it should be "a market where Americans can one-stop shop for a health care plan, compare benefits and prices, and choose the plan that's best for them, in the same way that Members of Congress and their families can.
The law established four tiers of coverage: bronze, silver, gold and platinum. All categories offer essential health benefits. The categories vary in their division of premiums and out-of-pocket costs: bronze plans have the lowest monthly premiums and highest out-of-pocket costs, while platinum plans are the reverse.
Gold level: On average, the health plan pays 80% of covered health-care costs; the consumer pays 20%. Platinum level: On average, the health plan pays 90% of covered health-care costs; the consumer pays 10%. Minimum coverage plan (worst-case scenario): If the consumer is under 30 and cannot afford the other plans, this is another option. It ...
The Patient Protection and Affordable Care Act, better known as Obamacare, poses a threat to many Americans. Although Obamacare provides health coverage, the policies it offers have fairly high ...