Choosing the Right Insurance from the GA State Exchange Health Plans

Choosing the right insurance can be difficult. There are a number of considerations that you should remember in order to pick the best plan for you and your family. Keep these tips in mind to help you choose the best insurance out of the Atlanta GA state exchange health plans.

Different Categories

Most of the insurance you see as part of the Atlanta GA state exchange health plans will offer four different categories of insurance: Platinum, Gold, Silver, and Bronze. These categories help you sort by how much you can afford monthly and as a deductible.

Medicare and Medicaid

Not all healthcare plans are available through the marketplace. Medicare is a federally run program for adults 65 or older, and it is not available through the marketplace. Medicaid offers insurance for low-income households and is also not available on the marketplace.

Premium vs. Deductible

One of the biggest concerns you should pay attention to when searching an insurance marketplace is the difference in prices for premiums and deductibles. Most insurance plans will require you to either pay a larger price for the premium or for the deductible. If you choose a larger premium, you will pay more per month for insurance, but your out-of-pocket responsibility for medical bills will be less. If you choose a higher deductible, you will save money on monthly costs, but pay a higher amount on the actual medical bills. Carefully consider what your monthly budget can handle. Also, consider whether you can afford to pay thousands of dollars in a deductible for medical bills.

Contact the Georgia Health Insurance Marketplace at https://georgiahealthinsurancemarketplace.com/.

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