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BidenCare Silver Plan

We want every American to enjoy the peace of mind that comes with carrying quality, affordable health insurance.

Your health and the health of your loved ones come first. To help, we strive to provide only accurate, reliable information on what to expect as BidenCare takes shape.

Your health and the health of your loved ones come first. To help, we strive to provide only accurate, reliable information on what to expect as BidenCare takes shape.

  • Platinum
  • Gold
  • Silver
  • Bronze

The metal system's purpose is to give you an easier way to compare packages without reading through the fine print first.

Here is the most vital information to know about silver health insurance plans through BidenCare.

What are the silver plans?

As with any insurance policy, the more you pay for premiums, the less you'll pay for deductibles and out-of-pocket expenses.

Today, silver health insurance plans on state and federal exchanges (i.e., ObamaCare) are the most popular among the four metal tiers.

The main reason is that the amount of benefits you receive for the price of care is better than you'll find going directly to a private insurer after applying the tax credits and cost-sharing reductions. remains committed to staying up-to-date on any metal tiers changes as BidenCare builds upon the ACA's framework.

The price of a silver ObamaCare plan is its most attractive feature to middle-income individuals and families.

How much do silver plans cost?

As we go into 2021 full-steam ahead, the cost of healthcare may again step to the forefront. Our goal is to prepare you and give you a trustworthy platform to compare rates.

The reality is that insurance costs vary, even though the ACA has your back against surprise charges and lost coverage due to pre-existing conditions.

According to the ACA, silver health insurance plans will cover about 70 percent of the total cost of care. The remaining prices fall on you to pay unless you qualify for extra cost-sharing benefits.

Without cost-sharing provisions, the national average for a comparable "silver plan" is approximately $462 at the time of this writing.

But the ACA – colloquially dubbed ObamaCare and BidenCare – gives you access to premium tax credits and extra savings to lower your monthly financial burden.

The same unsubsidized insurance package would cost half as much if you qualify for further savings, which most of us do since many middle-income workers in America.

What are premium tax credits?

As ObamaCare evolves into BidenCare soon, premium tax credits will again step to the fore. Receiving credits to offset the cost of insurance is the whole point of the ACA.

Whether you call it the ACA, ObamaCare, or BidenCare, you're talking about the same set of regulations and laws. It's your estimated income that qualifies you for a tax credit, but the amount varies person-to-person and household-to-household.

Typically, since states have the latitude to administer the ACA, the threshold is the federal poverty line or up to 400 percent of that figure.

The bottom is that 400 percent above the poverty line averages approximately $51,000 in income for one individual.

We recommend silver plans in addition to tax benefits because they are the only metal tier that includes additional cost-sharing reductions.

What are cost-sharing reductions?

A cost-sharing reduction is the ACA's way to say that you qualify for extra savings. Currently, only silver plans include cost-sharing reductions.

These extra savings can offset the price of deductibles, copayments, and out-of-pocket expenses, but you have to be eligible.

Your income must not exceed 250 percent of the federal poverty line to qualify.

In other words, a single person earning more than $31,000 a year won't qualify for cost-sharing.

Essentially, cost-sharing reductions work on a sliding scale; the more income you make, the less cost-sharing you can expect.

Will BidenCare silver plans be different?

President Biden pledges to continue to help consumers pay for insurance through extra savings and tax credits in the form of subsidies.

President Biden proposes additions to the ACA that include changing the income cut-off to receive a subsidy. According to his campaign website, his goal is to eliminate the 400 percent cap for incomes above the federal poverty line.

The effect will be to expand access to the tax credit to middle-income families that didn't qualify previously.

Similarly, BidenCare seeks to change the cap on maximum out-of-pocket costs to 8.5 percent of income; today, the figure stands at a 9.86 percent cap.

President Biden's third proposal is to increase the tax credit's overall size to align with a gold plan's cost savings.

The effect should be to expand access to insurance while lowering costs for an average middle-income household.

When are BidenCare silver plans the best option?

If you can meet to qualifications for cost-sharing reductions, a BidenCare silver plan is an ideal package. No matter what happens over the next few years, the ability to receive extra savings on deductibles and copayments won't change.

We recommend silver plans for those who don't mind paying the premium to pay less out-of-pocket. You'll also have the opportunity to get tax credits and extra savings.

These savings are only applicable to silver BidenCare plans at the time of this writing.

But if you need critical care or long-term care, a silver plan may not be ideal due to deductibles' cost. In this situation, paying for a gold or platinum plan may be the better choice.

Where to go to find silver health insurance plans

Biden has spoken about how he wants to improve the quality of health care, and the Bronze health care plan also means that there will be no more "surprise billing." This is a huge plus, considering that hospitals often use specialists that could lead to a "surprise billing" situation.

No one wants to get medical care only to find that their Bronze health care plan actually doesn't cover it at all. The Biden Care Bronze Plans will ban healthcare providers from charging out-of-network rates, which could end up saving you thousands of dollars.

Biden also believes that there is a real problem in the market concentration of healthcare providers. The Biden Care Bronze Plans are meant to change the idea that a handful of corporations should have all of our healthcare system's power. The Biden Administration plans on partnering with the health care workforce to reduce costs, as well.

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