Bronze 60 Plan
Bronze
-
Deductible: $6,300 Individual $12,600 Family
-
Doctor Visits: 1st 3 Visits $65-$95
-
Generic Drugs: Up to $500 per script
-
Hospital: Full price up to OOP Max
-
Out Of Pocket Max: $9,100 Indv $18,200 Family
-
Estimated Avg Medical Costs
-
Insurance Company pays: 60%
-
You Pay: 40%
Bronze 60 Plan: Coverage for Unexpected High Medical Costs
Covered California's Bronze Plan is the least expensive plan that qualifies for premium assistance. On average, it covers 60% of your annual medical services.
This plan has a low monthly premium and gives you peace of mind in case of a "catastrophic event." Without coverage, medical bills could reach tens or hundreds of thousands of dollars. With this plan, the highest your medical bill could reach in one year is $9,100 for one person or $18,200 for a family on the standard Bronze Plan, or $6,300 for one person or $12,600 for a family on the Bronze HDHP/HSA Plan.
However, with lower premiums come higher out-of-pocket costs when you need to use medical services like the emergency room. Most services are subject to the deductible. This means you will need to pay full price for your services until the deductible is met. For example, you will pay full price for x-rays and emergency room visits until you have reached your deductible.
Bronze Plan Highlights:
The standard Bronze Plan covers your first three cumulative office visits (primary care, specialist, mental health, and urgent care visits) for a copay of $65-$95. Note: The HSA Bronze Plan does not include this benefit.
All Bronze plans include free preventative care such as annual physicals (including mammograms and colonoscopies), well-baby checkups, and immunizations.
- Basic pediatric vision and dental preventative services are free for children 18 and under.
2 Types of Bronze Plans
Covered California has 2 types of Bronze 60 Plans: the regular Bronze 60 Plan and a Bronze Plan that works with a Health Savings Account called the Bronze 60 HDHP/HSA Plan.
Bronze 60 Plan
Take a look at this plan for extra benefits that don't count towards the deductible
Bronze 60 HDHP/HSA Plan
Save you money on taxes by offsetting income, reducing taxable income, or even allowing you to save for the future.
Should I Choose the Bronze 60 Plan?
This plan might be a good choice for you if:
- You want a low monthly premium.
- You don’t mind having a high deductible, and you’re mainly interested in a plan that covers severe medical conditions.
- You don’t usually need expensive prescription drugs.
- You’re in good health and don’t often use healthcare services.
- You want to fulfill the health insurance requirement rather than having the most comprehensive benefits.
- Your income qualifies you for a subsidy, but you don’t qualify for an Enhanced Silver Plan.
- You’re over 50, and your income doesn’t qualify you for a subsidy. Note: At this age, the cost difference between the Bronze and Silver plans is often over $100.
Consider These Factors When Choosing Your Health Insurance Plan
- Check out the Minimum Coverage Plan if you’re under 30 and don’t qualify for a tax credit.
- If you qualify for an Enhanced Silver Plan, compare it to the Bronze plan to see if the added out-of-pocket savings make up for the higher premium.
- If you use a lot of prescriptions, doctor visits, or other medical services, consider a Silver, Gold, or Platinum plan.
