When shopping for a Marketplace plan, you'll notice that all plans – including BlueCross BlueShield of Tennessee plans – have different “metal” levels that give you a general idea of how much coverage the plan provides. Please remember, Open Enrollment closed on March 31. But if you’ve had a life event — such as a marriage, a new child, a move to a new area or you lost coverage through your job — you could still qualify for affordable coverage.
Since January 1, 2014, all plan levels cover the same types of care and services, like doctor visits and hospital stays. The difference is in how much you pay each month for your insurance (the premium) versus how much out-of-pocket expense you pay when you get care. Here's how it works:
For example, choosing a Bronze plan will generally mean you'll have a lower premium cost, but when you get care, you'll pay more of the out-of-pocket expense. And if you choose a Platinum plan, the premium goes up, but your share of the expenses when you get care goes down.
This is an estimate for a 2014 plan and does not include any cost savings you may be eligible for from the federal government. Your actual rate will depend on information entered in your application for coverage.
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But you could still qualify for affordable coverage if you’ve had a life event. These events include marriage, a new child, moving to a new area, losing coverage through your job, and other life changes. See if you qualify!Shop for Plans
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