Open enrollment for 2025 plans has ended. But in some cases, if you have a qualifying life event, you may be eligible to enroll in a health plan.
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Keys to Plan Names
“Metal levels” tell you the average amount the plans pay for covered services. The chart below describes ranges of premiums and out-of-pocket costs for each plan level.
| Metal Level | Premiums | Out-of-Pocket Costs | Plan Pays* |
|---|---|---|---|
| Gold Plans | Premiums Higher |
Out-of-Pocket Costs Lower |
Plan Pays* 80% |
| Silver Plans | Premiums Moderate |
Out-of-Pocket Costs Moderate |
Plan Pays* 70% |
| Bronze Plans | Premiums Lowest |
Out-of-Pocket Costs Highest |
Plan Pays* 60% |
*Average amount plan pays for covered services.
- HSA: This stands for "health savings account". HSA-compatible plans allow you to save money tax-free to use for qualified health care expenses.
- POS: Plans with POS ("Point-of service") in their name means you'll be able to visit out-of-network doctors, but you'll generally pay more.
