Choosing a Plan
Picking a health plan starts by considering a coverage tier: Catastrophic, Bronze, Silver, Gold, and Platinum. These tiers represent different levels of coverage and cost-sharing.
Weigh the trade-offs between deductibles and different coverage costs like copays.
You may qualify for a very low or $0 premium plan.
Premium tax credits might be available to lower monthly premiums.
All premiums are calculated based on each person’s individual circumstances such as age, location, and plan type.
Good choice if…
you’re under 30 and don’t use medical services often, yet want coverage in case of emergency and for annual preventive health screenings or checkups.
Only available for people under 30.
Premium Level
Lowest
Average Cost Split*
You pay 100%
CO-OP pays 0%.
Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Catastrophic
Link
Deductible
$9,450
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Catastrophic
Engage
Deductible
$9,450
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Catastrophic
Access
Deductible
$9,450
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Good choice if…
you’re mostly healthy already and want to keep monthly premiums relatively low so you’re willing to accept higher out-of-pocket costs.
Premium Level
Low
Average Cost Split*
You pay 40%
CO-OP pays 60%
Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Bronze
Link High Deductible
Deductible
$7,500
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Bronze
Link
Deductible
$9,450
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Bronze
Engage High Deductible
Deductible
$7,500
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Bronze
Engage
Deductible
$8,700
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Good choice if…
you anticipate needing some medical care throughout the year but not excessively, a silver plan can provide a good balance between monthly costs and out-of-pocket expenses.
Premium Level
Medium
Average Cost Split*
You pay 30%
CO-OP pays 70%
Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Silver
Link 94 Option 2
Deductible
$0
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Link 94
Deductible
$0
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Link 87 Option 2
Deductible
$800
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Link 87
Deductible
$600
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Link Option 2
Deductible
$8,000
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Silver
Link 73 Option 2
Deductible
$7,500
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Link
Deductible
$6,000
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Silver
Engage Option 2
Deductible
$7,500
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Silver
Engage 87
Deductible
$600
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Engage 73 Option 2
Deductible
$6,700
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Silver
Engage 73
Deductible
$4,500
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Engage
Deductible
$5,700
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Silver
Access 94
Deductible
$0
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Access 87
Deductible
$750
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Access 73
Deductible
$5,000
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Income Eligibility Required
Silver
Access
Deductible
$6,500
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Good choice if…
you see doctors frequently or are anticipating upcoming events such as surgery or pregnancy. Lower copays, deductibles, and out-of-pocket maximums compared to bronze or silver plans, can save you money in the long run.
Premium Level
High
Average Cost Split*
You pay 20%
CO-OP pays 80%
Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Gold
Access
Deductible
$1,000
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Gold
Engage
Deductible
$1,000
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Gold
Link
Deductible
$1,000
Max out-of-pocket
Coinsurance (you pay)
Tier 1-Preferred Generic Drug
Primary Care Visit
Specialist Visit
Mental Health Visit
Good choice if…
you have chronic conditions, ongoing medical treatments, or need regular specialist visits. These plans have the lowest out-of-pocket costs which can significantly reduce recurring healthcare expenses over the course of the year.
Premium Level
Highest
Average Cost Split*
You pay 10%
CO-OP pays 90%
Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Platinum
Link
Deductible
$500
Max out-of-pocket