California Bronze Health Plan
Beginning January 1, 2014 all individuals are mandated to have health insurance. The plan with the lowest monthly premium is the Bronze Plan*, with the highest deductible. California was the first to release its premiums and rates. It important to remember that all new health plans must include the ObamaCare essential health benefits, however each state and/or provider may offer additional or extended benefits.
*Some job-based plans may actually offer lower Silver plan premiums than Bronze.
CA Bronze Plans
This article deals with Bronze plans for individuals and families. Click here to learn about how the Bronze plan works for group and small businesses under ObamaCare.
- 60/40 split, with 60% being the minimum your insurance company must cover
- 80/20 ObamaCare Rule, where 80% of plan premiums must be spent on medical care
- Deductibles expected to be around $5,000
- Bronze has the lowest monthly premium (without subsidies). Do I qualify for ObamaCare premium subsidies?
| Benefits | Bronze Health Plan |
| Deductible | $5,000 Med/Rx |
| Preventive | $0 |
| Doctor’s Office Visits | $60 per first 3 |
| Specialist | $70 after deduct |
| Generic Rx | $25 or less after deduct |
| Brand RX | $50 after deductible |
| Lab Testing | 30% after deduct |
| X-ray | 30% after deduct |
| ER Visit | $300 after deduct |
| Urgent Care | $120 after deduct |
| Out-of-Pocket Max | $6,350/$12,700 (ind/fam) |
For information about specific details of the Bronze health plan in your state call 800-930-7956.
Bronze May Have Lower Premium But Could Cost You More
Basically Bronze will cost you the least each month but you will pay the most in shared costs should you get injured. Bronze plan members must pay out of pocket for most medical services before their deductible is satisfied. Even if it saves you a few dollars per month it may cost less to have a more costly premium to pay less for medical care. Also, Silver is the only plan that offers ObamaCare cost-sharing subsidies to help with deductibles, coinsurance, and copays. Click here to compare Bronze Plan, Silver Plan, Gold Plan, and the Platinum Plan side-by-side.
For any questions or assistance in applying (enrollment goes from October 1, 2013 to March 31, 2014), please contact Medicoverage.
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