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The law established four tiers of coverage: bronze, silver, gold and platinum. All categories offer essential health benefits. The categories vary in their division of premiums and out-of-pocket costs: bronze plans have the lowest monthly premiums and highest out-of-pocket costs, while platinum plans are the reverse.
Gold level: On average, the health plan pays 80% of covered health-care costs; the consumer pays 20%. Platinum level: On average, the health plan pays 90% of covered health-care costs; the consumer pays 10%. Minimum coverage plan (worst-case scenario): If the consumer is under 30 and cannot afford the other plans, this is another option. It ...
Proponents of health care reform believe that allowing comparable plans to compete for consumer business in one convenient location will drive prices down. Having a centralized location increases consumer knowledge of the market and allows for greater conformation to perfect competition. Each of these plans will also cap liabilities for ...
States may allow large employers and multi-employer health plans to purchase coverage in the health insurance exchange. The two federally regulated "multi-state plans" (MSPs) that began being phased into state health insurance exchanges on January 1, 2014, become available in every state. [110]
avoidance of capitating or regulating premiums which are routinely and in accordance with this law, charged by an insurance company for coverage, which might make the coverage non-affordable with regard to a consumer's income [7] requiring most Americans to carry or obtain qualifying health insurance coverage or face a fine for non-compliance ...
U.S. Bank is a brick-and-mortar bank with over 2,000 physical branches in 27 states. As someone who values face-to-face banking, I appreciate U.S. Bank’s extensive network. Plus, it offers a ...
An estimated 80% of persons obtaining coverage under the ACA can get it for less than $75 per month after subsidies, [37] if they choose the lowest-cost "bronze" plan. The average cost for the "second-lowest cost silver plan" (the benchmark plan and one of the most popular) was $208/month after subsidy for a 40-year-old male non-smoker in 2017 ...
Spectrum is a leading internet service provider in the US, offering high-speed internet to customers in more than 40 states. Its regular plans start as low as $29.99 a month with a two-year price ...