How they differ
- ACA plans must cover pre-existing conditions and essential health benefits
- ACA plans can come with income-based savings
- Private plans may offer different networks, deductibles or nationwide access
- Private plans may consider your health history and may not cover everything an ACA plan does
Lower premium, lower cost?
Not always. A plan with a low monthly price can cost more over a year if you use care. Emily compares the full picture: premium, deductible, copays and out-of-pocket maximum.
Who tends to look at private plans
People who don't qualify for savings, who want specific doctors or a wider network, or who travel often. Emily explains what is and isn't covered before you decide.
