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.
If you miss the deadline, you could still qualify for affordable coverage if you’ve had a major life event — such as a marriage, a new child, a move to a new area or you lost coverage through your job.
When you shop, you’ll notice 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.
In addition, it’s important to remember that each plan has a different Blue NetworkSM of providers, so it’s important to understand what you’re getting when you enroll.
There are things you can – and should – do now, so you can confidently pick the health plan that’s best for you when you’re ready to shop.
This is an estimate for a 2015 plan and does not include any financial assistance you may be eligible for from the federal government. Your actual rate will depend on information entered in your application for coverage.
Make sure you have all the information you need to choose the right health plan for you.Learn More
Wondering why health insurance is important? You’re not alone. Learn how it protects you – and your wallet.Why Health Insurance Makes Sense