Your monthly premium is only one part of health insurance cost. Learn how deductibles, copays, coinsurance and the out-of-pocket maximum work together when comparing Marketplace plans.
The amount paid regularly, usually monthly, to maintain health insurance coverage.
The amount you may pay for certain covered services before the plan begins sharing applicable costs according to its terms.
A fixed amount you may pay when receiving a covered healthcare service under applicable plan terms.
A percentage of an allowed healthcare cost you may be responsible for under applicable plan terms.
The applicable annual limit on what you pay for covered in-network services, subject to the plan's rules.
A lower-premium plan with a higher deductible may fit one household. Another household expecting regular care may place greater value on a different cost-sharing structure.
Eligible consumers may qualify for Premium Tax Credits, while certain qualifying consumers enrolled in eligible Silver plans may receive Cost-Sharing Reductions.
May reduce monthly Marketplace premiums for eligible consumers.
Understand Premium Tax Credits →May reduce certain out-of-pocket costs for qualifying consumers enrolled in an eligible Silver plan.
Understand CSR →Understand how Bronze, Silver, Gold and Platinum categories generally organize cost sharing.
Compare Metal Categories →BenefitRoute can help organize your budget and coverage priorities so you know which cost factors deserve attention when exploring ACA options.
Explore Plans & Potential Savings →