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  "documentTitle": "The individual health insurance market in 2023",
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      "text": "Silver: Plan pays approximately 70 percent of covered expenses. Some consumers with lower incomes (between 100 and 250 percent of the federal poverty limit) qualify for cost-sharing reductions, which increase the proportion of expenses paid by the plan at no extra cost to the consumer.",
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      "text": "POS: A point-of-service plan is a hybrid of an HMO and a PPO; it is an open-access model that may assign members to a primary care physician and usually provides partial coverage for out-of-network services.",
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      "text": "Catastrophic: Plan has very low monthly premiums and very high deductibles, providing protection for high-cost medical situations. Only individuals under 30 or with an exemption based on affordability or other hardship are eligible to purchase catastrophic plans.",
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      "text": "Bronze: Plan pays approximately 60 percent of covered expenses.",
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      "text": "HMO: A health maintenance organization is a plan typically centered on a primary-care physician who acts as a gatekeeper to other services and referrals. It usually provides no coverage for out-of-network services, except in emergency or urgent-care situations.",
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      "text": "Platinum: Plan pays approximately 90 percent of covered expenses.",
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      "text": "Gold: Plan pays approximately 80 percent of covered expenses.",
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      "text": "PPO: A preferred provider organization is a plan that typically allows members to see physicians and get services that are not part of a network; out-of-network services often require a higher copayment.",
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      "text": "EPO: An exclusive provider organization is a plan similar to an HMO. It usually provides no coverage for any services delivered by out-of-network providers or facilities except in emergency or urgent-care situations; it generally does not require members to use a primary care physician for in-network referrals.",
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      "text": "Level of plan coverage. Metal levels indicate the share of covered medical costs paid by the plan versus the share paid by consumers in the form of deductibles, copays, and coinsurance. Generally, premiums are higher when the plan covers a larger share of expenses.",
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      "kind": "paragraph",
      "text": "Plan types. Plan types reported here were taken directly from insurer rate filings and summary of benefits and coverage documents. Independent assessment of plan types was not part of the analysis presented in this document. Plan types are defined as follows:",
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      "text": "2 *How to pick a health insurance plan: The health plan categories: Bronze, Silver, Gold & Platinum,\" healthcare.gov, accessed March 11, 2023.\n3 *How to pick a health insurance plan: Catastrophic health plans,\" healthcare.gov, accessed March 11, 2023.",
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