Pick the right plan for you - without the guesswork.

Each type has its pros and cons, Blue Jay will explain each and guide you to the best option for you.

These levels determine how costs are split between the insurer and the individual. A higher metal level generally means a higher monthly premium but lower out-of-pocket costs when receiving care, such as deductibles, copayments, and coinsurance 

Insurers provide coverage by contracting with groups of doctors, hospitals, and specialists, and can negotiate discounted rates for services on behalf of their members. This reduces out-of-pocket expenses like copayments and deductibles for individuals who see in-network providers, while helping insurance companies manage overall costs. It is critical to ensure your preferred doctors and providers are covered by the plan you select.

Understanding a plans' prescription drug coverage and formulary is crucial for both managing costs and ensuring access to necessary medication. The formulary is the plan's list of covered medications, which are typically organized into tiers with varying out-of-pocket costs. Reviewing this list is especially important for individuals with chronic conditions or ongoing medication needs, as it confirms that required drugs are covered 

It is crucial to consider Premium Tax Credits (PTC) and Cost-Sharing Reductions (CSR). The PTC lowers your monthly insurance premium, making coverage more affordable, and is based on your household income and family size. Meanwhile, the CSR reduces the out-of-pocket costs—such as deductibles, copayments, and coinsurance—that you pay when receiving medical care. Eligibility for CSR is tied to income and requires enrollment in a Silver-level plan, a detail that can significantly alter the value of your coverage. 

 Beyond premiums, consider your deductible, copayments, coinsurance, and out-of-pocket maximum. These costs affect how much you’ll pay when you actually use your coverage. Blue Jay helps you estimate total annual costs, not just monthly premiums, so you can plan with confidence  

Marketplace plans follow strict enrollment windows. You can enroll during Open Enrollment or qualify for a Special Enrollment Period (SEP) due to life changes like losing coverage, moving, or having a baby. Blue Jay helps you navigate timing, so you don’t miss your window.  See other Qualifying Life Events below.