QUESTION

I see there are bronze plans that are really affordable. Is that the best plan for me?

Individuals with no coverage | Comparing Plans: Benefits and Costs
ANSWER

It depends. If your household income qualifies you for cost-sharing reductions as well as a premium tax credit, you may get a better deal with a silver level plan. You can use premium tax credits to buy a plan in any of the four coverage levels (bronze, silver, gold or platinum), but the cost-sharing reductions only apply to plans in the silver level. If you are very healthy and do not qualify for cost-sharing reductions, a very low premium bronze plan may be a better deal for you. However, if your health care use turns out to be more than you anticipated, you will likely have a high deductible and out-of-pocket costs. (26 C.F.R. § 1.36B-2; 45 C.F.R. § 155.305).

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