Good choice if: You want to have more costs covered when you get medical treatment. If you need a lot of medical care, a Gold plan could be a good value.

Good choice if: You qualify for “extra savings.” If you want more of your routine care covered at a slightly higher monthly premium than Bronze, a Silver plan may be ideal for you.

• If you qualify for cost-sharing reductions: You must pick a Silver plan to get the extra savings. You can save hundreds or even thousands of dollars per year if you go to the doctor a lot. (Silver plans may also be available if you’re eligible for a premium tax credit and can enroll through a Special Enrollment Period based on estimated household income.)

Good choice if: You want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury. If you want low monthly premiums, a Bronze plan could be the right fit.

Available to those under 30 and/or those over 30 with a hardship or affordability exemption

Good choice if: You have a tight budget and need to be covered in the event of a serious sickness or injury. If you want the lowest monthly premiums, a Catastrophic plan may be the best value.