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Preferred Provider Organizations (PPOs): Although they are generally more costly than HMOs and have larger network of providers, they can offer lower costs. The requirement for referrals is not necessary for insurance-covered services. Silver PPO plans on the Marketplace have an average premium of $517.

Point of service (POS) Plans that use Point of Service (POS) provide the most flexibility, however they are costlier. It is possible to get medical treatment beyond the health insurance service provider network, however the cost will likely be higher. Average monthly premiums on POS Silver plans are $534.

The average cost of health insurance, based on metal tier

There’s four different levels of the Health Insurance Marketplace plan: Silver or Bronze, Gold, and Platinum. A tier measures of the amount of coverage a individual has or how much which they share with other Health insurance coverage. These ratios are calculated for each tier and are based on the monthly estimate of a typical member’s medical expenses.

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