Individual & Small Group Health Insurance:

Starting in October of 2013, the health insurance marketplace (also known as the exchange) became available. All Plans in the market place are run by health insurance companies and offer a core set of essential health benefits. You can choose from four levels of coverage, Bronze, Silver, Gold and Platinum.

The Bronze plan has the lowest monthly premium but you pay more when you get care (higher co-pays and more of the services costs come out of pocket. The Platinum plan has the highest monthly premiums but you pay less when you get care (low co-pays and a smaller percent of the services costs).