Navigating a Transformed Insurance Marketplace

Matt Roth for the New York Times

Matt Roth for the New York Times

Tips to evaluate your options under the plans offered by the Affordable Care Act.

ESSENTIAL benefits. Flexible benefits. High deductibles. Coinsurance. Bronze, silver, gold, platinum.

The Affordable Care Act is here and shaking things up. There are dashed expectations and plenty of uncertainty. But one thing is sure: Whether you’re insured at work, as most employed Americans are, or are buying a policy on the exchanges, you’re likely to be bearing more of the cost of your own care. And that means consumers need to know more and be smarter as they choose a health insurance plan.

Amber Hill, 26, knows what that feels like. She’s shopping for health insurance for the first time, joining the millions of Americans buying coverage on the health care exchanges. She spent a lot of time in front of the computer in her Baltimore apartment, searching the Maryland insurance exchange for just the right plan. It was a lot of work.

“It’s kind of a double-edged sword,” she said, sighing. “I know now that I have a lot more control over my health care, but at the same time that means I have to be proactive. I have to figure out what my needs are and I have to figure out what’s the best way for me to meet those needs.”

Read More: New York Times
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