Do you need health insurance? Call us at 1-833-863-1310 (Relay 711). Learn More.
North Carolina Health Plan Options | Ambetter of North Carolina
For a fully keyboard-accessible alternative to this video, view it in Chrome or on any Android or iOS device, view it in Firefox with the YouTube ALL HTML5 add-on installed, or disable Flash in Internet Explorer.
When you begin shopping for a Marketplace health plan, you’ll see plan options with different metal tiers such as Gold, Silver and Bronze plans. But the only difference between these plans is how much premium you’ll pay each month and how much you’ll pay for certain medical services.
A Bronze plan typically gives you lower monthly premium payments, but potentially higher out-of-pocket costs – if you end up needing a lot of care. And a Gold plan may have higher monthly premiums, but that helps you limit your out-of-pocket costs later.
If you’re looking for a balance on your monthly premium payments and your out-of-pocket costs, Silver plans provide just that. And, Silver plans are the only plans with additional out-of-pocket payment reductions (cost sharing reductions)! This helps lower the costs of your copays, deductibles and coinsurance.
So, if you are eligible for a subsidy and cost sharing, Silver plans offer the highest value.
Remember, your Essential Health Benefits are covered and will be equal across all plans.
The information above represents the way typical plans at each metal level work. How much you pay will depend on your specific plan.