Covered California Certified Enroller Practice Exam

What percentage of costs do bronze plans typically cover?

1. 50%

2. 60%

3. 70%

4. 80%

The correct answer is: 60%

Bronze plans are designed to provide coverage for approximately 60% of an individual's healthcare expenses. This means that enrollees will typically pay about 40% of their costs through deductibles, copayments, and coinsurance. Bronze plans are often chosen by those who are looking for lower premium payments, but they come with higher out-of-pocket costs when care is needed. The structure of these plans is intended to balance affordability in premiums with a reasonable level of coverage for essential health benefits, making it a suitable option for consumers who anticipate lower healthcare usage or who are prioritizing cost savings in their monthly budget. In the context of the other percentages, the 50% coverage would imply that enrollees pay just as much as the insurer, which does not align with the established framework for bronze plans. Coverage of 70% or 80% corresponds more closely with silver and gold plans, respectively. Therefore, understanding that bronze plans cover about 60% of healthcare costs is crucial for accurately informing consumers about their options under the Affordable Care Act.