is not a government website and is privately owned.

BidenCare Gold Plan

The Biden Care Gold Plan is part of a four "metal" healthcare initiative under the Affordable Care Act. Building upon Obamacare, the upcoming Biden administration aims to provide quality, accessible healthcare services to all Americans regardless of their race, gender, religion, or socioeconomic status.

The four healthcare plans have been defined as Bronze, silver, gold, and platinum. The intention is to provide high-quality healthcare to all by offering insurance plan options suited to different financial frameworks and medical needs.

This way medical care can better meet the needs of the USA's diverse population.

Individuals from any socio-economic background will be eligible to benefit from medical insurance cover under these four plans. Biden Care seeks an end to surprise billing and unfair market concentration.

Under these provisions, healthcare is set to become a right for all Americans, as opposed to a privilege for a wealthy minority. An overall improvement in health outcomes for all citizens will be ensured via different, accessible healthcare plans.

But picking a healthcare plan isn't always easy. This article is designed to take the mystery out of health insurance and point readers in the direction of quality advice.

As healthcare reforms inevitably draw nearer, it's important that Americans to understand the services available to them and to be able to decide which services are best suited to their needs.

The four "metal" plans

Under the Affordable Care Act, four care plans have been established. The four "metal" options represent four different health-coverage options. These plans provide the best value-for-money for those who make regular use of healthcare services in the United States.

The only difference between the four plans is the monthly premium associated with each.

The quality of healthcare received through each plan is equal. Healthcare provisions under all plans are required by law to meet the Ten Essential Health Benefits, including a free wellness visit and preventative care provisions.

The Gold Plan

The Biden Care Gold Plan is a premium plan under the Affordable Care Act. Gold plans typically entail higher monthly insurance premiums than their Bronze and Silver counterparts. But the Gold Plan is still a cost-effective option and provides lower out-of-pocket costs when using medical services.

Gold Plans cover 80% of all medical expenses. That means that health service users are only required to pay the remaining 20% of any medical bills alongside their premiums. Though premiums can seem high, some individuals are eligible for reduced monthly insurance rates with Premium Tax Credit.

Eligibility for these subsidies will depend upon state residency and annual household incomes, which must be equal to or less than 4x the Federal Poverty Line. Those who are eligible for Premium Tax Credit can benefit from significant savings on their monthly insurance rates.

Is a Gold Plan right for me?

For individuals and families who make use of medical services regularly, a Gold Plan is likely to be a cost-effective choice. But remember, it's important to consider all current health, lifestyle, and medical risk factors before committing to a plan.

Balancing monthly premiums against out-of-pocket costs is the best way to calculate whether or not a Biden Care Gold Plan will be the most cost-effective option.

Gold plans are best suited to people who need regular medical care or take prescription medications on a regular and ongoing basis. This is because Gold plans allow users to pay higher monthly premiums in return for lower out-of-pocket payments when using health-care-services.

As such, a Gold-Plan is ideal for consistent health-care users with chronic conditions, complex, or ongoing medical needs.

Comparing plans

Each health-care plan has its merits. No matter which "metal" you choose, all plans have set maximum out-of-pocket limits, designed to protect individuals with complex medical needs from devastating financial implications.

Gold Plan
Pays for 80% of covered medical expenses before reaching the annual limit.
Pays for 100% of all covered expenses after reaching the annual limit.

Platinum Plan
Lower out-of-pocket costs

Silver Plan
Best for preventative medical care
Lower monthly rate

Bronze Plan
Best for preventative medical care
Lower monthly rate

For a detailed price-comparison, is an online insurance marketplace where consumers can obtain pricing information related to upcoming Biden Care reforms. The service is ideal for comparing several insurance providers at once for optimal price comparisons.

Alternatively, interested parties can call (833) 814-7667 to speak with an agent about their medical care options and pick the most appropriate plan.

Gold Plans for lower out-of-pocket costs

The Biden Care Gold Plan acts as part of a Medicare-like health insurance infrastructure. Under the Affordable Care Act and building upon the progress already made by Obamacare, these healthcare plans are designed to give Americans choices when it comes to their health insurance options.

By expanding insurance coverage to low-income Americans, and lowering insurance premiums, healthcare under the Biden administration aims to provide the peace of mind that comes with an affordable, high-quality, national healthcare infrastructure.

By committing to higher premiums, Gold Plans offer individuals and families lower out-of-pocket costs for their medications and medical care. For regular health service users and maintaining repeat prescriptions, a Gold Plan offers peace of mind by bypassing expensive and unexpected medical bills.

How Does it Work?

Finding the right health insurance has never been easier! In three simple steps, find the perfect plan for your healthcare needs:

Step 1:
Enter your ZIP code.
Step 2:
Tell us more about yourself. What are your coverage needs and affordability requirements? Do you suffer from any chronic medical conditions or take prescription drugs? Do you seek greater coverage or lower premiums? This information will allow us to help you find the right providers.
Step 3:

Compare multiple plans from trusted carriers to find the program that best suits your needs. Review eligibility requirements, pricing, coverage accessibility, and more all from a single, easy-to-use interface.

Choose Your State To Get Plan Options
To see your personalized list of health plan options now, enter your zip code.


Speak to a Health Care Agent!
(844) 261-7322

Our lowest price guarantee: You can’t find lower rates anywhere else.

Still looking for rates?, a licensed health insurance broker, can help you get a competitive quote.
Get Started
Want to see other companies' rates? Check out these insurers that serve your area:

Speak to a Health Care Agent
(844) 261-7322
Mon-Fri: 8am-10pm EST
Sat-Sun: 9am-5pm EST TTY users 711
Hours: 8am - 8pm
7 days a week

QuoteLab, LLC
700 S. Flower St., Suite 640,
Los Angeles, CA 90017 is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent [73] organizations which offer [5110] products in your area. Please contact or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Please note that these numbers provided are not specific to your area but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs. is operated by QuoteLab, LLC, which is an independent broker and is not a federal or state insurance Marketplace or other website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance are made through QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

This website does not provide information about specific health plans, or enable visitors to obtain insurance quotes, on this website. However, if you provide your information and consent, we will transfer your information to insurance carriers and brokers that may contact you to offer Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. The advertisements appearing on this website are placed by clients from which QuoteLab, LLC receives compensation, and such compensation may impact whether such advertisements appear on this website and the order in which they appear. is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website does not provide a complete listing of, or display all data on all Qualified Health Plans being offered in your state or service area through the Marketplace website or the federal Medicare program. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at

This site uses cookies and tech to collect data needed for our services to work including to process your requests, personalize your experience, and measure the effectiveness of content we show you, among other business purposes (Learn More). We share this data with the business partners we connect you with, who may combine it with data you provide to them or they collect from you (Learn More). To learn more about cookies and how to disable them, read our Privacy Policy.