How much will it cost?
How much you'll pay for a health plan depends on the plan you choose. All plans sold in the Washington Healthplanfinder (www.wahealthplanfinder.org) will have different levels of cost-sharing. These are called "metal levels" and range from bronze, silver, gold, and platinum.
Health plans sold outside of the Washington Healthplanfinder also will have various metal levels to choose from.
The difference between the metal levels is based on how much of the medical costs your health plan picks up and how much you pay through copays and coinsurance. For example:
|Level||Plan pays||You pay|
|Bronze*||60 percent||40 percent|
|Silver||70 percent||30 percent|
|Gold||80 percent||20 percent|
|Platinum||90 percent||10 percent|
*Bronze plans have the minimal level of coverage you need to meet the requirement to have health insurance.
Out-of-pocket costs are limited
Out-of-pocket costs, such as deductibles and copays, are limited to the same costs allowed in a health savings account (HSA). The amount changes each year, and in 2014 will be $6,350 for an individual and $12,700 for a family.
If you're an individual or family earning between 138 percent and 400 percent of the Federal Poverty Level (FPL), you could get help paying your premium (www.wahealthplanfinder.org). The FPL changes annually, but today 138-400 percent is $15,856-$45,960 for an individual and $32,499 and $94,200 for a family of four.
Help with cost-sharing
If your income is between 138-250 percent the FPL ($15,856-$28,725 for an individual) and you buy a silver metal level plan in the Healthplanfinder, you could get help with your cost-sharing.
If you earn less than 138 percent of the FPL ($15,856), you could qualify for free coverage through expanded Medicaid (www.hca.wa.gov).