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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.
Within the exchanges, insurance plans are offered in four tiers designated from lowest premium to highest premium: bronze, silver, gold, and platinum. The plans cover ranges from 60% to 90% of bills in increments of 10% for each plan.
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. [ 26 ] [ 44 ] The percentages of health care costs that plans are expected to cover through premiums (as opposed to out-of-pocket costs) are, on average ...
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As of 2015, about 14.1 million people were insured privately, including in self-funded plans; 1.3 million were in plans regulated by the CDI and 12.7 million were in plans regulated by the DHMC. [9] Kaiser Permanente had about 50% of the market, followed by Blue Shield of California, Anthem Blue Cross, and Health Net (a subsidiary of Centene). [9]
Lack of health insurance is associated with increased mortality, estimated as 30–90 thousand excess deaths per year. [ 6 ] [ 7 ] Surveys indicate that the number of uninsured fell between 2013 and 2016 due to expanded Medicaid eligibility and health insurance exchanges established due to the Patient Protection and Affordable Care Act , also ...
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