5 Things to Know Before Choosing a Health Plan

Assess your health needs and budget to determine what type of coverage you require. Consider how often you visit doctors, whether you need prescription medications, and any specialists you might see.

Understand the different plan categories—bronze, silver, gold, and platinum. These categories reflect how you and your insurer share costs; lower premiums generally mean higher deductibles and out-of-pocket expenses.

Check if your preferred doctors and hospitals are in-network and review the plan’s coverage for preventive care, emergencies, and chronic conditions. Finally, factor in any subsidies or tax credits you may be eligible for through the ACA Marketplace.