DC Health Link Health Benefit Exchange

All District of Columbia residents that actually reside with the district boarder line are required to obtain Health Insurance from D.C. Health Link. There are several things you should discuss with a broker like Comrade Financial Group as most brokers have the ability to create an account for you and also enroll you on the exchange. There are also many plans to choose from and most people do not realize what a plan actually covers and most exchanges if not all do not disclose all of the plan details prior to enrollment. Please speak to a broker first before going on to the D.C. Exchange.

Platinum Level Plans in District of Columbia 90% Coverage

Platinum Level Plans in the exchange are offered by carriers specific to D.C.. Federal level and other state level plans may or may not match benefits. The Platinum Level is defined as 90% coverage. That means the insurance company is willing to collect monthly premiums, provide EHB (Essential Health Benefits), and cover 90% of expenses. That means that you the consumer will be liable for the other 10%.

Gold Level Plans in District of Columbia 80% Coverage

Gold Level Plans in the exchange are offered be carriers specific to D.C.. Federal level and other state level plans may or may not match benefits. The Gold Level is defined as 80% coverage. That means the insurance company is willing to collect monthly premiums, provide EHB, and cover 80% of expenses. That means that you the consumer will be liable for the other 20%.

Silver Level Plans in District of Columbia 70% Coverage

Silver Level Plans in the exchange are offered by carriers specific to D.C.. Federal level and other state level plans may or may not match benefits. The Silver Level is defined as 70% coverage. That means the insurance company is willing to collect monthly premiums, provide EHB, and cover 70% of expenses. That means that you the consumer will be liable for the other 30%.

Bronze Level Plans in District of Columbia 60% Coverage

Bronze Level Plans in the exchange are offered by carriers specific to D.C.. Federal level and other state level plans may or may not match benefits. The Bronze Level is defined as 60% coverage. That means the insurance company is willing to collect monthly premiums, provide EHB, and cover 60% of expenses. That means that you the consumer will be liable for the other 40%.

Catastrophic Level Plans in District of Columbia

Catastrophic Level Plans in the exchange are offered by carriers specific to D.C.. Federal Level and other state level plans may or may not match benefits. The Catastrophic Level is defined as protection against catastrophic costs. Similar to HDHP or High deductible health plans, all costs are out of pocket until you reach your deductible. Limited to those under age 30 and deemed exempt from the Individual mandate. These plans do cover EHB but will not cover the first 3 visits to primary care.