Gold Plan Under ObamaCare
The Affordable Care Act (ACA), commonly known as ObamaCare, begins its Healthcare Exchange January 1, 2014. The open enrollment for these plans begins October 1, 2013 and ends March 31, 2014, and each plan must offer of ObamaCare essential benefits. Although every plan across the country must offer these benefits, states and providers may still offer additional or extended coverage. The Gold Plan has the 2nd highest monthly premium, but the second lowest cost-sharing costs. Click here to compare Bronze Plan, Silver Plan, Gold Plan, and the Platinum Plan side-by-side.
*Healthcare Exchange Catastrophic coverage is available for those who are under thirty and do not qualify for subsidies.
Below is the most up-to-date information available, as the federal and state governments work to fine tune the details of these plans we will update this article.
These Gold plans are specific to individual and family members. Click here to learn about how the Gold plan applies to ObamaCare Small Businesses.
|Benefits||Gold Health Plan*|
|Doctor’s Office Visits||$30|
|Maternity||$600 per day HMO**/20% PPO|
|Out-patient Surgery||$600 HMO/20% PPO|
|Hospital Stay||$600 per day HMO**/20% PPO|
|Out-of-Pocket Max||$6,350/$12,700 (ind/fam)|
**up to 5 days
*California was the first to release its Healthcare Exchange overview, and much of information we know so far is based on their figures. CHART UPDATED 9/26/13. For information about specific details of the Gold Plan in your state call 800-930-7956.
UPDATE 11/27/13: For an easy way to fill out your Affordable Care Act application go to Healthapplication.com. Remember to fill it out and send it in as soon as possible to ensure the earliest enrollment date.
How Much is the Gold Premium?
Premiums depend on age, state, region, provider, and whether you qualify for a federal premium exchange subsidy. With California’s numbers being the first available, the lowest Gold Plan for a 40 year old, non-smoker living in Los Angeles is approximately $276.
For questions about the Gold Plan in your state please contact Medicoverage.