Covered California Certified Enroller Practice Exam

What is the medical deductible for an individual with a Bronze plan?

1. $4,800

2. $5,300

3. $6,300

4. $7,500

The correct answer is: $6,300

The medical deductible for an individual enrolled in a Bronze plan is indeed set at $6,300. This aligns with the design of Bronze plans under the Affordable Care Act, which are structured to have lower premiums but higher out-of-pocket costs compared to Silver, Gold, or Platinum plans. In the context of health insurance, the deductible is the amount an individual must pay for covered healthcare services before their insurance plan starts to pay. Since Bronze plans are intended to provide a minimum level of coverage, they typically have higher deductibles, which means enrollees will need to pay more out-of-pocket for their healthcare expenses until they reach the deductible limit. Once the deductible is met, the plan would then cover a larger portion of the costs of care, but members would still be responsible for coinsurance. Understanding the specific levels of financial responsibility like deductibles helps consumers choose a plan that best fits their healthcare needs and budget.