Choosing a Health Insurance Plan

What you need to know before choosing a health insurance plan


Knowing a few things can help you make better health insurance choices.





  • Health insurance plans can be categorized as Bronze, Silver, Gold, or Platinum. These categories show how your plan and you share costs. Quality of care is unrelated to plan categories.

  • Health care costs: You pay a monthly premium to your insurance company, even if you do not use medical services that month. Care costs include deductibles and out-of-pocket expenses. It’s important to think about both kinds of costs when shopping for a plan.

  • Health insurance plans include HMOs, PPOs, POSs, and EPOs: Some plans allow you to choose almost any doctor or facility. Some restrict your choices or charge you more if you use providers outside their network.

You should also keep in mind that plans may differ in quality as well. Find out more about quality ratings. Quality ratings can be found here. Learn more about quality ratings.


We make it easy for you to get the right medical coverage at the best price at Routt Insurance Agency. The health insurance products we offer are from highly-rated national and regional insurance companies. With no additional charge, we can help you find coverage online, over the phone, or in person with a local agent.


Listed below are some basic details about the plans available.


BRONZE Lowest monthly premiums Highest out-of-pocket expenses Get A Quote

SILVER Lower monthly premiums Higher out-of-pocket expenses Get A Quote

GOLD Higher monthly premiums Lower out-of-pocket expenses Get A Quote

PLATINUM Highest monthly premiums Lowest out-of-pocket expenses Get A Quote


*Under the Affordable Care Act, all Individual health plans have a maximum out-of-pocket expense of $6,350.




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