What is silver 73?
Asked by: Freida Wuckert | Last update: June 18, 2025Score: 4.1/5 (73 votes)
What is the difference between Silver 87 and Silver 73?
The Silver 73 covers 73% of your out-of-pocket costs, 3% more than the standard Silver Plan. However, if you qualify for a Silver 87 or a Silver 94, you will receive 87% or 94% coverage, which is 17% or 24% more of your out-of-pocket costs than the standard Silver Plan.
What is covered in the California Silver 73 plan?
For Silver 73, that amount for individuals is $0 for medical services and $0 for prescription drugs. A family's deductible is $0 for medical services and $0 for prescriptions. There is also no deductible for dental care. Coinsurance is your share of costs for a covered health care service.
Is Silver health insurance worth it?
Silver plans fall about in the middle: You pay moderate monthly premiums and moderate costs when you need care. Important: If you qualify for “cost sharing reductions” (or “extra savings”) you can save a lot of money on deductibles, copayments, and coinsurance when you get care — but only if you pick a Silver plan.
Who is eligible for enhanced Silver benefits?
Not everyone qualifies for enhanced silver plans. Eligibility is based on income, age, family size, and zip code. Generally, adults with an income of just above 138% to 250% of the Federal Poverty Level may qualify for enhanced benefits.
Health Insurance Silver 73 vs Gold 80 which one is the Best Health Insurance plan in California for
What does the silver plan cover?
Benefits of Silver Healthcare Plans
Emergency services. Hospitalization (surgery and overnight stays) Pregnancy, maternity, and newborn care.
Which health plan is better silver or gold?
Gold plans have a higher monthly premium compared to Silver plans, but lower out-of-pocket costs for care. Gold plans are ideal for individuals and families needing frequent medical services and want their insurer to share more in the cost for care.
What is the best health insurance for seniors over 70?
Medicare is the best health insurance for retirees and seniors. You can choose between Original Medicare (Parts A and B) or private, bundled coverage, called Medicare Advantage.
Is Aetna Silver a good plan?
Silver plans have mid-level monthly rates and are good if you have average health needs. Plus, if you have a low income, Silver plans offer help with other insurance costs like deductibles and copays. Gold and Platinum plans are best for people with high health care needs.
Is Blue Shield Silver a good plan?
The Blue Shield Silver 70 PPO plans are a great choice if you see the doctor occasionally and are looking for a good balance between your monthly plan premiums and the cost when you get care. If you are looking for a high-value, lower-cost plan offering predictable copays, our Silver 1750 PPO plan could be for you.
What is the difference between a PPO and a HMO?
HMOs (health maintenance organizations) are typically cheaper than PPOs, but they tend to have smaller networks. You need to see your primary care physician before getting a referral to a specialist. PPOs (preferred provider organizations) are usually more expensive.
Who is eligible for the Silver 73 cost share reduction plan was just expanded?
As a result, in 2025 Californians with incomes above 200 percent of the federal poverty level (FPL) will be eligible to enroll in an Enhanced Silver 73 plan with no deductibles and reduced out-of-pocket costs, while those under 200 percent FPL will continue to have access to higher levels of benefits.
Do you have to pay back cost-sharing reductions?
No, the cost-sharing reductions increase the actuarial value of a standard silver plan, which results in lower out-of-pocket charges.
Is Medicare free at age 65 for seniors?
People age 65 or older, who are citizens or permanent residents of the United States, are eligible for Medicare Part A. You're eligible for Part A at no cost at age 65 if 1 of the following applies: You receive or are eligible to receive benefits from Social Security or the Railroad Retirement Board (RRB).
Who has the cheapest insurance for seniors?
Our research found that Auto-Owners, Travelers, Geico, USAA and Nationwide may be the cheapest car insurance companies for seniors based on average rates from Quadrant Information Services. Rates provided are for a 70-year-old driver with a clean driving record.
Can you have Medicare and marketplace insurance at the same time?
The Marketplace doesn't affect your Medicare choices or benefits. This means no matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, you don't have to make any changes.
Are silver health plans worth it?
A Silver health plan is a good choice for many people, because it balances premium and out of pocket medical costs. However, if you are young, do not anticipate using insurance often and have significant amounts of cash in savings, you may find that you save money with a Bronze or catastrophic plan.
What is the most expensive health insurance plan?
Platinum health insurance is the most expensive type of health care coverage you can purchase. You pay low out-of-pocket expenses for appointments and services, but high monthly premiums.
Can I refuse health insurance from my employer and get Obamacare?
Obamacare is available to everyone, whether or not their employers offer insurance. From a practical standpoint, though, there are financial consequences to doing this. Often, an employer subsidizes part or all of their employees' coverage.