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Obama administration releases premiums, plan choices for health care program

By Jaccii Farris, Reporter, JFarris@wfmz.com
Published On: Sep 25 2013 04:01:33 PM CDT
Updated On: Sep 26 2013 05:52:59 AM CDT

If you're not sure how much medical coverage under the Affordable Care Act will cost you, a number of online tools can help you figure it out.

Open enrollment into the Affordable Care Act begins on Oct. 1.

If you're not sure how much medical coverage under the Affordable Care Act will cost you, a number of online tools can help you figure it out.

The Department of Health and Human Services has cost estimates for all ages on its website, so getting an idea of how much health care will cost you under the Affordable Care Act is just a click away.

For Lehigh, Northampton and Berks counties, the prices vary. For example, a 31-year-old will pay from $113 to $212 a month in premiums depending on the level of coverage.

In Monroe and Carbon counties, that same 31-year-old will pay a range of $101 to $226 for coverage.

Prices jump a bit in Montgomery and Bucks counties, starting at $188 and going as high as $275.

The cost also varies for families. A family of four with an income of $50,000 will pay between $152 to $282 a month for coverage after tax credits.

What you pay is based on the plan you choose. Bronze is the lowest cost and covers 60 percent of medical expenses; silver covers 70 percent; gold covers 80 percent.

The most expensive plan is platinum, which covers 90 percent of costs but comes with higher premiums.

Consumers have a number of companies to buy coverage from. Locally, they can pick between five and 10 plans based on where they live.

If you're in the market for health insurance under the affordable care act, local health expert said it's important to do your homework.

Know what kind of care and prescriptions you need as that will play a role in the plan you choose.  Of all the plans, none of them pays 100 percent of costs.

Enrollment opens Oct. 1. That is when people can get a good look at the plans and what they have to offer. Coverage begins in January.

If you have employer-provided insurance, it doesn't apply to you.