It’s a trade-off. It’s up to you to choose which option gives you the best value on your total health care costs.
Would you rather pay less now and more when you need care? Or pay more now and less when you need care?
Pay Less Now
The Bronze and Bronze Plus coverage levels cost less per paycheck, but the deductibles are higher. That means you’ll pay more out of your pocket when you need care.
Make sure you know how the deductible works. Also, make sure the deductible amount is something you could afford in the event you need a lot of health care.
It's important to note that the deductibles work differently under the Bronze (traditional deductible) and Bronze Plus (true family deductible) coverage levels.
Pay Less Later
The Silver, Gold, and Platinum coverage levels cost more per paycheck, but the Silver and Gold deductibles are lower. The Platinum coverage level does not have a deductible. If you don’t have a lot of health care needs, you could be spending money for benefits you don’t use.
