Health Insurance

There are health insurance subsidies available

Four levels of insurance plans:

• Bronze: a good option for those who rarely see a doctor

• Silver: will pay the deductible when hospitalized or need surgery

• Gold:

• Platinum: no deductible

Note that there are two kinds of bronze plans and silver plans

Minimum Coverage Plan

for 30 yr. and younger, pay everything out of pocket except first 3 non-preventative visits.

Enhanced Silver Health Plans

pay lower premiums and deductible, qualification based on income

Covered California

PPO vs HMO vs EPO vs POS

PPO: more expensive, but is more flexible. not required to select a primary care physician

HMO: have to stay in network

EPO: hybrid

Blue Shield has PPO and HMO available

Blue Shield has the largest network in California

Apply via Covered California if have subsidies