The best health insurance plan in Orange County will depend on your health status, how much you can spend on monthly premiums and many other factors. Here is a listing of all of the plans available in your area, accompanied by premium estimates and links to provider networks for each company. Looking for plan information in Los Angeles? Find it here. You can also view our California health insurance plan directory.
Do you have experience with these insurance companies? Share your review in the comment section below.
Obamacare Health Insurance Plans in Orange County
|Estimated Monthly Premium*||Doctors Included
|Shop for Health Insurance|
|Anthem||Anthem Bronze 60 Health Savings Account PPO||$232||Visit Anthem to locate in-network doctors>>||for Anthem health insurance plans|
|Anthem Bronze 60 PPO||$231|
|Anthem Multi State Plan Silver 70 PPO||$305|
|Anthem Multi State Plan Gold 80 PPO||$373|
|Anthem Platinum 90 PPO||$437|
|Anthem Silver 70 HMO||$307|
|Anthem Gold 80 HMO||$391|
|Anthem Platinum 90 HMO||$451|
|Blue Shield||Blue Shield Bronze 60 Health Savings Account PPO||$252||Visit Blue Shield to locate in-network doctors>>||for Blue Shield health insurance plans|
|Blue Shield Bronze 60 PPO||$257|
|Blue Shield Silver 70 PPO||$311|
|Blue Shield Gold 80 PPO||$366|
|Blue Shield Platinum 90 PPO||$419|
|Health Net||Health Net Bronze 60 HCSP||$256||Visit Health Net to locate in-network doctors>>||for Health Net health insurance plans|
|Health Net Silver 70 HMO||$278|
|Health Net Gold 80 HMO||$313|
|Health Net Platinum 90 HMO||$351|
|Kaiser Permanente||Kaiser Permanente Bronze 60 Health Savings Account HMO||$237||Visit Kaiser to locate in-network doctors>>||for Kaiser health insurance plans|
|Kaiser Permanente Bronze 60 HMO||$243|
|Kaiser Permanente Silver 70 HMO||$324|
|Kaiser Permanente Gold 80 HMO||$394|
|Kaiser Permanente Platinum 90 HMO||$421|
|*Premiums are estimated for a 40-year-old before government subsidies.
Source: Covered California Health Insurance Companies and Plan Rates for 2015 and Shop and Compare Tool.
As you’re shopping for a plan, you’ll notice that they’re divided into metal tiers—a term foreign to most of us. Here is some more information on metal tiers:
Obamacare plans are organized into four metal tiers, based on actuarial value. The four tiers, in increasing order, are Bronze, Silver, Gold, and Platinum. Higher metal tiers have higher monthly premiums, but lower cost-sharing. Although metal tiers differ in terms of cost-sharing and premiums, all Obamacare plans include access to the same essential health benefits.
- Platinum Health Plan: the highest tier in an exchange, with the highest monthly premiums. On average, an individual with this plan will have 90% of health care costs covered by the insurance company, and can expect to cover the remaining 10% out of pocket. These percentages vary by state.
- Gold Health Plan: the second-highest tier in an exchange, with the second-highest monthly premiums. On average, an individual with this plan will have 80% of health care costs covered, and can expect to cover the remaining 20% out of pocket. These percentages vary by state.
- Silver Health Plan: the second-lowest tier in an exchange, with the second-lowest monthly premiums. On average, an individual with this plan will have 70% of the tier benefits covered, and can expect to cover the remaining 30% out of pocket. These percentages vary by state.
- Bronze Health Plan: the lowest tier in an exchange, with the lowest monthly premiums. On average, an individual with this plan will have 60% of the tier benefits covered, and on average must cover the remaining 40% out of pocket. These percentages vary by state.
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