License # 0G24423
I am certified insurance agent with Covered California and able to provide you affordable health insurance plan for you and your whole family. I can get you major four coverage levels for health insurance through Covered California. There is no our fee for this service because we get paid by insurance companies. I am also tax professionals and I can guide you better about these health plans than others. I have more than 17 years of tax industry experience.Health Insurance
Covered California health insurance plans — and all health plans in the individual and small-group markets — are sold in four primary levels of coverage: Bronze, Silver, Gold and Platinum.
The breakdown of costs that you pay (dark shading) and costs the plan pays (lighter shading) for the standard Bronze, Silver, Gold and Platinum tiers is shown below.
- Bronze: On average, your health plan pays 60 percent of your medical expenses, and you pay 40 percent.
- Silver: On average, your health plan pays 70 percent of your medical expenses, and you pay 30 percent. In some cases, individuals may qualify for an Enhanced Silver plan. This means that when they choose a Silver plan, they have – based on their income – enhanced out-of-pocket savings through lower co-pays, coinsurance and deductibles. Individuals in these savings categories get the benefits of a Gold or Platinum plan for the price of a Silver plan. In the three categories of Enhanced Silver, the plan pays either 94 percent, 87 percent or 73 percent of expenses, with the enrollee responsible for the rest.
- Gold: On average, your health plan pays 80 percent of your medical expenses, and you pay 20 percent.
- Platinum: On average, your health plan pays 90 percent of your medical expenses, and you pay 10 percent.
In addition to the metal tiers, Covered California offers a minimum coverage plan for those who qualify.
- Minimum coverage plan: If you are under 30, you may be able to buy an additional health insurance plan option called minimum coverage plan. These plans usually have lower premiums and mostly protect you from worst-case scenarios.
