There are many components that can change from plan to plan, which makes apples-to-apples comparisons impossible. This is being tackled with easy pricing plan requirements.
Easy Pricing Plans
Marketplace plans marked easy pricing:
These plans include some benefits before you reach the deductible. As soon as coverage starts, you’ll pay only a copayment for:
- Doctor and specialist visits, including mental health
- Urgent care
- Physical, speech, and occupational therapy
- Generic and most preferred drugs
These plans are easier to compare because they have the same out-of-pocket costs within their health plan category, like:
- Out-of-pocket maximums
- Copayments and coinsurance
Where to find easy pricing plans
These plans are all marked with an "Easy Pricing" label. You can also filter health results to see only easy pricing plans.
What parts of the plan are standard?
Copays, coinsurance, and deductibles are the same for all Standard Plans for a given metal level. For example, all Standard Gold plans have a $30 copay to see your primary care provider, and all Standard Bronze plans have a deductible of $9,100.
What parts of the plan can change?
The monthly premium will be different from insurer to insurer. You'll be able to more easily compare all standard plans across insurers and choose the most affordable one.