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Things to consider before choosing a health plan

From your budget to your lifestyle and your health, here are some things to keep in mind when researching and comparing plans:

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Comparing costs

Let’s say that Tori is a 33 year-old small business owner who lives in the Twin Cities area and purchases her own health coverage. Tori is generally healthy, going to her M Health Fairview doctor once a year for her annual exam and maybe a couple times per year for minor illnesses like strep throat. But this year Tori fractured her arm, so she took a trip to the Emergency Room (ER). To treat Tori’s simple fracture, she receives an x-ray, purchases crutches (durable medical equipment), and gets physical therapy (rehabilitation services). Because Tori is older than 30 years old, she is not eligible for a Core plan.

Here are estimates of what Tori’s costs would have been for her fracture under several UCare Individual & Family Plan scenarios using in-network providers:

Costs to treat a simple bone fracture

Silver Gold
Gold Bronze
*Monthly net premiums $262.84 $272.84 $308.85 $344.24 $375.47 $268.43 $301.55
Plan overall deductible $8,000 $5,900  $3,000 $2,000 $950 $7,500 $3,000
Depending on Tori’s plan, she will pay:
$2,500 $2,500
$2,200 $1.500 $950 $2,800 $2,800
Copayments $200 $200 $600 $700 $700 n/a n/a
Coinsurance $0 $0 $0 $0 $100 n/a n/a
Total Tori would pay $2,700 $2,700 $2,800 $2,200 $1,800 $2,800 $2,800

*Premium reflected includes subsidies available through MNsure as well as pricing available in this region and network.

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