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Relationship to you
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Household

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Eligibility
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Changing anything here re-checks your tax credit and re-prices every plan for the whole household.
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Plan details Select this plan
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Side by side

In network costs shown. Family amounts apply when two or more people are covered.
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Plan brochure Summary of Benefits
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Cost-Sharing Tiers

Every Marketplace plan has a metal tier. It sets how you and the insurer split covered medical costs on average for a standard population. It does not describe the quality of care.

This plan’s tier
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Insurer pays · you pay
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Actuarial value: the average share of covered costs, not a promise for any one person.

Extra savings (CSR)
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How the tiers compare

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Network & Provider Costs

The network type decides which doctors and hospitals you can use, whether you need a referral to see a specialist, and what happens if you go out of network.

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Out-of-network care
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Emergency care is covered in or out of network.

Specialist referrals
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Your doctors and facilities

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Network types

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Out-of-Pocket Costs

Your financial exposure in a bad year: what you pay before the plan shares costs, what you pay per visit, and the most you can spend.

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{{ detail.dedSub }}. What you spend on covered care before the plan pays its share. Preventive care is covered before the deductible.

Out-of-pocket maximum
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{{ detailMoopSub }}. Once you reach it, the plan pays 100% of covered in-network care for the rest of the year.

Estimated yearly cost
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Premiums plus expected care for typical use. An estimate, not a guarantee.

What a visit costs

What you pay at the doctor’s office with this plan, in network.

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Copays vs. coinsurance

A copay is a fixed dollar amount for a visit or prescription. Coinsurance is a percentage of the bill. Both count toward your out-of-pocket maximum.

The federal limit

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Coverage examples

Your share of the bill in three common situations, from the plan’s Summary of Benefits. Premiums not included.

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What you pay for each service

“After deductible” means the plan pays once you’ve met the deductible; copays without it apply from day one.

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Prescription Drugs

Each plan sorts drugs into tiers on its formulary, its list of covered drugs. Lower tiers cost less; specialty drugs cost the most.

Drug list (formulary) ↗

What this plan charges

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Your prescriptions

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How drug tiers work

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Key check: tier names and costs vary by plan. Look up each of your exact prescriptions on this plan’s formulary before you enroll.

Plan Resources

Official documents and links from the insurer, the plan’s quality ratings, and how to reach member services.

Documents & links

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Insurer contact

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For the most accurate information about this plan’s benefits, network and drug coverage, call the insurer directly.

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Plan facts

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Quality ratings

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Your pick
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A licensed agent finishes this with you, at no cost

Marketplace enrollment runs through HealthCare.gov. We complete the application with you, confirm your tax credit and make sure your doctors are in network before anything is submitted.

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Monday to Friday, 9am to 5pm EST

Your premium is the same whether you enroll with us or directly on HealthCare.gov, because insurers pay our commission. Final eligibility, tax credits and effective dates are determined by the Marketplace when the application is submitted.