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BidenCare Platinum Plan

The Biden Care Platinum Plan is one of the four plans established by the Affordable Care Act (ACA). The goal of the Biden Care Platinum Plan is to ensure the opportunity to quality, affordable healthcare for all. Biden Care seeks to protect and extend the Affordable Care Act.

While platinum government health insurance has the highest monthly premium, it comes with the added benefit of having the lowest costs when you receive care. The platinum plan covers 90% of your medical expenses, leaving you to pay only 10%. That can be beneficial if you require a lot of care and want to save on out of pocket expenses.

Biden Care will save Americans money on out-of-pocket expenses by expanding the premium tax credit. Under the Biden Care plan, Americans will never pay more than 8.5% of their overall income on health insurance. It is a decrease from Obamacare's 9.86%.

Additionally, there will no longer be a cap on people earning more than 400% of the federal poverty level (roughly $50,000 per year for singles and $100,000 for a family of four). That ensures that everyone will receive reduced costs under Biden Care when compared to Obamacare.

The only difference between plans is the percentage that you pay. The quality of healthcare will be the same with all plans. Please note: all plans offer free preventative care, and some offer selected free or discounted services before you meet your deductible.

Is the Platinum Government Health Insurance Plan Right for Me?

While only you can make the best choice for your own coverage, there are a few things to consider when choosing healthcare coverage under the Biden Care Platinum Plan. Some critical factors to keep in mind is your family's current health, lifestyle, and medical risk factors. It is especially important during this time of COVID, as certain health factors can increase your chances of having complications due to COVID.

You'll want to weigh your options on what works for your family and what you feel you can afford when selecting coverage.

The Biden Care Platinum Plan may be a good fit for you and your family if:

  • You or a family member is expecting to receive routine care or need significant medical care.
  • You or a family member takes prescription medication frequently.
  • You don't mind paying a higher premium upfront if it means fewer out-of-pocket expenses when you or a family member receives care.

Something to bear in mind is that no matter which Biden Care metal plan that you choose, they are likely to have the same maximum out-of-pocket expenses just like under Obamacare. The platinum government health insurance plan pays for 90% of medical care expenses and then 100% of medical care expenses after you reach your limit. Nonetheless, this does come with higher monthly premiums, as we discussed earlier.

What Is the Difference in Plans?

The primary thing to keep in mind when choosing a coverage plan is cost. Several factors can help you predict the price you may pay out with different metal plans. For instance, if you select a low monthly premium plan, you may end up paying more when you receive care or pay for prescriptions.

There is a trade-off when it comes to what you pay, but not what you get. ALL people receive the same care but will pay for care in different ways. Some questions you may want to consider when it comes to choosing plans are:

  • Do I anticipate receiving a lot of care over the next year?
  • Is it worth it to have a low monthly premium or lower prescription costs?
  • Can I afford to pay more out of pocket if I choose a plan with a low monthly premium?
  • What is the best balance of fees for the family and our needs?

By considering some of these questions, you'll be in a better place to choose the coverage that's right for you and your family. Your choice is dependent on several factors:

  • How much care you think you'll need throughout the year for you or a family member.
  • The amount of money your family pays out for prescription drugs each month.
  • Can afford to pay higher monthly premiums to save money on medical care and prescriptions?

By now, you may be leaning towards one plan over another. If you need to research the plans and what they offer, here is a link to understand the bronze, silver, and gold plans.

Plan Category The insurance company pays You pay
Bronze 60% 40%
Silver 70% 30%
Gold 80% 20%
Platinum 90% 10%

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