If you don’t expect to use regular medical services or take regular prescriptions, you may want a Bronze plan. These plans can have very low monthly premiums but have high deductibles and pay less when you need care.
If you qualify for cost-sharing reductions (CSRs), then Silver plans may be a better value. If you qualify, your deductible may be lower, which means you pay less when you get care. You get these extra savings only if you enroll in Silver. If you don’t qualify for CSRs, compare premiums and out-of-pocket costs of Silver and Gold policies to find your right plan.
If you expect frequent doctor visits or need regular prescriptions you may want a Gold plan. These plans usually have higher premiums but pay more of your costs when you need care.