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What types of plans will be available through the Health Insurance Marketplace?


Health plans sold through the Health Insurance Marketplace will be required to meet comprehensive standards for items and services that must be covered. To help consumers compare costs, plans available through the Health Insurance Marketplace will be organized in four tiers, or four levels of generosity of the cost-sharing that each plan includes:

  • Bronze level: The plan must cover 60% of expected costs across a standard population. This is the lowest level of coverage.
  • Silver level: The plan must cover 70% of expected costs across a standard population.
  • Gold level: The plan must cover 80% of expected costs across a standard population.
  • Platinum level: The plan must cover 90% of expected costs across a standard population. This is the highest level of coverage.

Also, a catastrophic plan will be offered, and will cover the same services. But, its coverage will be less generous than the Bronze level plans. A catastrophic plan may be a less expensive option for those who are eligible: only young adults under 30 and individuals who have a hardship exemption from the individual mandate are allowed to purchase catastrophic plans. Premium tax credits and cost-sharing reductions are not available for catastrophic plans.

Also, stand-alone dental plans are available through the Health Insurance Marketplace.

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