Covered California Certified Enroller Practice Exam

Is it true that the Silver 70 plan has a deductible of $5,400 for individuals?

1. True

2. False

3. Only for families

4. It varies by region

The correct answer is: True

The correct assertion that the Silver 70 plan has a deductible of $5,400 for individuals is based on the standardization of health plans within the Covered California marketplace. Silver plans are designed to provide a moderate level of benefits with a specific cost-sharing structure. The $5,400 deductible for individuals aligns with the Silver 70 plan's parameters, as Silver plans typically have a higher deductible than Bronze plans, but lower deductibles compared to Gold or Platinum plans. This deductible amount reflects the financial responsibilities that enrollees will need to manage before their insurance starts to cover costs. It is important to note that deductible amounts can vary based on other factors such as the enrollee's household size, income, and other health care needs, but for individual coverage within the Silver 70 category specifically, the $5,400 figure is accurate. Families may face different deductible amounts or structures that could complicate general assumptions, making the blanket statement about family deductibles misleading without further detail. Overall, understanding the specific numbers tied to plan categories is crucial for enrollers when helping clients navigate their healthcare options in Covered California.