FAMILY PLANS
INDIVIDUAL & FAMILY
REYNALDO ALFONSO
ralfonsoinsurance@gmail.com
786-306-4674
These plans are available for purchase during the annual open enrollment period that generally runs from the beginning of November until mid-December. This timeframe can change depending on the year and the state in which you reside. It is important to note that if you miss the enrollment deadline, you will be unable to purchase and or change your health insurance unless you qualify for an Special Enrollment Period (SEP).
Plans in the Marketplace are broken down into four “metal” categories: Bronze, Silver, Gold and Platinum.
WHICH METAL IS RIGHT FOR YOU?
Bronze
Lowest monthly premium
Highest costs when you need care
Bronze plan deductibles — the amount of medical costs you pay yourself before your insurance plan starts to pay — can be thousands of dollars a year.
Good choice if: You want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury. Your monthly premium will be low, but you will have to pay for most routine care yourself.
Silver
Moderate monthly premium
Moderate costs when you need care
Silver deductibles — the costs you pay yourself before your plan pays anything — are usually lower than those of Bronze plans.
Good choice if: You qualify for “extra savings” — or, if not, if you are willing to pay a slightly higher monthly premium than Bronze to have more of your routine care covered.
Gold
High monthly premium
Low costs when you need care
Deductibles — the amount of medical costs you pay yourself before your plan pays — are usually low.
Good choice if: You are willing to pay more each month to have more costs covered when you get medical treatment. If you use a lot of care, a Gold plan could be a good value.
Platinum
Highest monthly premium
Lowest costs when you get care
Deductibles are very low, meaning your plan starts paying its share earlier than for other categories of plans.
Good choice if: You usually use a lot of care and are willing to pay a high monthly premium, knowing nearly all other costs will be covered.
Whichever metal category you decide to go with, there will always be a cost savings on your monthly premium based on your income. If for whatever reason you do NOT qualify for a subsidy, I am here to help.