What’s the difference between all these plan names (HMO, PPO, Bronze, Silver, etc.)?

Plan names tell you how you use the plan and how you share costs.

The letters (HMO, PPO, EPO) explain the rules for using doctors and hospitals. The metals (Bronze, Silver, Gold, Platinum) show how the plan splits costs with you.

  • HMO: In-network care only, and you usually need referrals to see specialists.
  • PPO: More freedom to see doctors, including out-of-network, but you’ll pay more for that choice.
  • EPO: In-network only, but often no referrals needed.

Metal levels describe cost sharing:

  • Bronze: Lower monthly premium, higher costs when you use care.
  • Silver: Middle level. If your income qualifies, you may get extra savings that lower your deductible and copays.
  • Gold/Platinum: Higher monthly premium, lower costs when you get care.

Choose based on how often you visit doctors, what medicines you take, and your budget. If you want a lower monthly bill, consider Bronze. If you want lower costs when you get care, consider Gold or Platinum.

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