Alfa Health’s ACA-compliant plans are tiered into four basic levels.
Higher monthly premium, but typically include the most comprehensive benefits.
May lower out-of-pocket expenses if you have a lot of medical expenses.
More affordable than Gold plans, but do not offer as many comprehensive benefits.
Silver must be selected if you qualify for – and intend to use – a Cost-Sharing Reduction (CSR) to save on out-of-pocket expenses.
Typically the lowest possible monthly premium for a standard health insurance plan.
Expect higher out-of-pocket expenses.
Only available to individuals under 30 years of age, or those who qualify due to certain hardships.
Catastrophic plans typically have a low monthly premium, but they boast a high deductible that must be met before coverage kicks in.
These plans may offset some of the financial hardships associated with sudden, catastrophic illnesses or injuries requiring complex care.
Health Insurance Glossary
The amount you pay for health insurance over a set term.
The amount you pay for covered services before the health insurance provider starts to pay. Varies by plan type.
The percentage of covered services you will be responsible for after you have met your deductible.
The flat fee you pay to your healthcare provider for a covered service.
Unfortunately, you are ineligible for subsidized medical coverage. Please contact Alfa Health® by phone at 1-800-392-5705 to explore other health insurance options.