bronzeHMO
Meridian Essential 7100
Meridian Health
128/mo
$342$214 credit applied
- Deductible
- $7,100
- Out-of-pocket max
- $9,200
- Primary care
- $45 after deductible
- Generic drugs
- $18
Plan comparison
Every tier, compared after the credit
Sorting by monthly premium is how people end up on the wrong plan. These cards show the net price, because the net price is the one you pay.
Browse plans
Net prices below assume a $214 monthly premium tax credit, which is what a single 38 year old earning about $34,000 would see. Run your own numbersto replace it.
Showing all 12 plans
bronzePPOHSA eligible
Alverta Bronze HSA 6900
Alverta Blue
175/mo
$389$214 credit applied
- Deductible
- $6,900
- Out-of-pocket max
- $8,050
- Primary care
- Full cost until deductible
- Generic drugs
- Full cost until deductible
bronzeEPO
Northgate Value 7300
Northgate Care
117/mo
$331$214 credit applied
- Deductible
- $7,300
- Out-of-pocket max
- $9,450
- Primary care
- $50 after deductible
- Generic drugs
- $22
silverHMO
Best value hereMeridian Standard Silver
Meridian Health
219/mo
$433$214 credit applied
- Deductible
- $4,800
- Out-of-pocket max
- $8,100
- Primary care
- $35
- Generic drugs
- $15
Cost-sharing reductions apply on this plan under 250% of the poverty level.
silverPPO
Alverta Silver Select PPO
Alverta Blue
257/mo
$471$214 credit applied
- Deductible
- $4,400
- Out-of-pocket max
- $7,900
- Primary care
- $30
- Generic drugs
- $12
Cost-sharing reductions apply on this plan under 250% of the poverty level.
silverEPO
Castlereach Silver Core
Castlereach
204/mo
$418$214 credit applied
- Deductible
- $5,200
- Out-of-pocket max
- $8,400
- Primary care
- $40
- Generic drugs
- $18
Cost-sharing reductions apply on this plan under 250% of the poverty level.
goldHMO
Meridian Gold Advantage
Meridian Health
248/mo
$462$214 credit applied
- Deductible
- $1,600
- Out-of-pocket max
- $6,400
- Primary care
- $20
- Generic drugs
- $10
goldPPO
Alverta Gold Freedom PPO
Alverta Blue
294/mo
$508$214 credit applied
- Deductible
- $1,200
- Out-of-pocket max
- $5,900
- Primary care
- $15
- Generic drugs
- $8
goldEPOHSA eligible
Northgate Gold HSA 2800
Northgate Care
265/mo
$479$214 credit applied
- Deductible
- $2,800
- Out-of-pocket max
- $6,100
- Primary care
- $25 after deductible
- Generic drugs
- $12 after deductible
platinumPPO
Alverta Platinum Complete
Alverta Blue
387/mo
$601$214 credit applied
- Deductible
- $400
- Out-of-pocket max
- $3,600
- Primary care
- $10
- Generic drugs
- $5
platinumHMO
Castlereach Platinum Care
Castlereach
352/mo
$566$214 credit applied
- Deductible
- $600
- Out-of-pocket max
- $3,900
- Primary care
- $10
- Generic drugs
- $5
platinumEPO
Meridian Platinum Direct
Meridian Health
374/mo
$588$214 credit applied
- Deductible
- $500
- Out-of-pocket max
- $3,400
- Primary care
- $5
- Generic drugs
- $3
No plans match all of those
Try widening one filter.
The tier is a bill-splitting rule, not a quality rating
Actuarial value is the share of covered medical costs a plan pays across everyone enrolled in it. That is the whole meaning of the metal name. Two plans from the same carrier on different tiers can share the exact same doctor network.
Bronze
Plan pays about 60%
Lowest monthly premium, highest deductible. Built for people who mostly need protection against a catastrophe.
- Deductible
- $7,100
- Out-of-pocket max
- $9,200
Silver
Plan pays about 70%
The benchmark tier, and the only one that unlocks cost-sharing reductions if you earn under 250% of the poverty level.
- Deductible
- $4,800
- Out-of-pocket max
- $8,100
Gold
Plan pays about 80%
Higher premium, much lower deductible. Often the right answer if you take regular medication or expect a procedure.
- Deductible
- $1,600
- Out-of-pocket max
- $6,400
Platinum
Plan pays about 90%
Highest premium, lowest out-of-pocket costs. Worth modelling if you have a chronic condition or a planned surgery.
- Deductible
- $400
- Out-of-pocket max
- $3,600
Catastrophic plans
Available if you are under 30, or at any age with a hardship or affordability exemption. The deductible equals the annual out-of-pocket maximum, and three primary care visits plus preventive care are covered before it applies.
Premium tax credits cannot be applied to a catastrophic plan, so a subsidised Bronze plan is usually cheaper.
Networks, in one line each
- HMO
- You pick a primary care doctor and get referrals for specialists. Out-of-network care is not covered except in an emergency. Usually the cheapest premium.
- PPO
- You can see specialists without a referral and go out of network at a higher cost. The widest access, and the highest premium for it.
- EPO
- No referrals needed, but no out-of-network coverage at all outside an emergency. A middle path between HMO and PPO.