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FAQs: Health Insurance Marketplace and the ACA

Marketplace Health Plans and Premiums

Back to FAQs: Health Insurance Marketplace and the ACA

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I want to enroll in a Marketplace family plan to cover myself, my spouse, and our four young children. How will my family premium be calculated?

What health benefits are covered under Marketplace plans?

How can I compare covered benefits in different Marketplace plans?

I notice Marketplace plans are labeled “Bronze,” “Silver,” “Gold,” and “Platinum.” What does that mean?

I also notice “Catastrophic Plans” that look even cheaper. What are those and can I buy one?

How can I find out if my doctor is in a health plan’s network?

What happens if I need care from a doctor who isn’t in my plan’s network?

How can I find out if a health plan covers the prescription drugs that I take?

Is dental coverage an essential health benefit?

Can I be charged more if I have a pre-existing health condition?

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.