ACA plans come in four levels—Bronze, Silver, Gold, and Platinum—each offering different balances between monthly premiums and out-of-pocket costs. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Platinum plans offer the highest premiums and the lowest costs for care. To find the right plan, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Catastrophic health plans offer low monthly premiums but high deductibles, providing coverage mainly for emergencies. They are available to individuals under 30 or those with a hardship or affordability exemption. These plans cover essential health benefits, but don’t qualify for subsidies like standard ACA plans. To explore your options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

You can switch from a Bronze plan to a Silver or Gold plan mid-year if you qualify for a Special Enrollment Period (SEP) due to a qualifying life event. Without an SEP, you must wait for the Open Enrollment Period. For help with switching plans, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

When selecting an ACA health plan, consider your budget and healthcare needs. Balance monthly premiums with out-of-pocket costs, and check if you qualify for premium tax credits or cost-sharing reductions. For personalized help choosing a plan, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

When choosing between HMO, PPO, and EPO plans, consider network access and flexibility. HMO plans offer lower premiums but require you to stay in-network, while PPO plans offer the most flexibility with both in-network and out-of-network coverage. EPO plans strike a balance by offering in-network care without the need for referrals. To explore your options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

The flexibility of choosing healthcare providers under an ACA plan depends on the type of plan you have. HMO and EPO plans require you to use in-network providers, while PPO plans allow you to see both in-network and out-of-network providers, but at higher costs. For more help with understanding your plan’s network, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.