Gregg Stokes of Reno had been paying more than $1800 dollars a month for health coverage for his wife and two kids – more than his mortgage payments.
So Stokes was looking for a better deal this open enrollment period.
“I wasn’t looking for bronze, or gold I was looking in that sweet spot, a silver plan…that met my family’s needs and my budget,” says Stokes.
Stokes had problems enrolling through the Nevada Health Link website, so an insurance broker helped him.
“My rates went down. I got a better plan, for $400 plus dollars a month less,” he says.
But monthly premiums are only one part of health care costs.
The non-profit Consumers Union says a lot of times, plans with lower premiums have higher out of pocket costs.
Julie Silas of Consumers Union says shoppers should consider how they use health care.
She says they should look at associated costs like deductibles, doctor co-pays and x-rays.
“The idea of the bronze plan is that it’s going to cost less per month but how much you have to pay in services is going to be higher. And the higher premiums you pay like in a platinum plan, the less the services will cost. So that’s a trade off,” says Siris.
Gregg Stokes’s family deductible changed in his new plan, but he says he still comes out ahead.
![FILE - In this Feb. 12, 2015 file photo Laura San Nicolas, right, and her daughter Geena, wait to meet with an enrollment counselor to sign up for health insurance at Sacramento Covered in Sacramento, Calif. Rich Pedroncelli / AP Photo](/cdn-cgi/image/format=auto,width=186,height=140,fit=crop/media/9217617/coveredCaliforniaStock080117P.jpg)
July 19, 2018Premiums in California’s individual marketplace will increase for the fifth consecutive year, due in part to federal changes and a predicted departure of healthy consumers.
![Dr. Roberto Solis talks to patient Enrique Ahumada at Kaiser Permanente’s new bilingual clinic downtown. A new report says more Spanish-speaking doctors will be needed to meet the needs of California's increasingly diverse patient population. Sammy Caiola / Capital Public Radio](/cdn-cgi/image/format=auto,width=186,height=140,fit=crop/media/12050048/071618KaiserEspanol1-p.jpg)
July 16, 2018Kaiser Permanente’s "Salud en Español" clinic is part of a wider effort to increase culturally appropriate services for Latino residents, who are at high risk for diabetes and hypertension but are less likely than white patients to go to the doctor.
![California Gov. Jerry Brown presents his May revision to the state budget, detailing a plan to place the bulk of an $8.8 billion surplus into rainy-day reserves and one-time investments. Andrew Nixon / Capital Public Radio](/cdn-cgi/image/format=auto,width=186,height=140,fit=crop/media/10414160/051118MayReviseBudgetJerryBrown-p.jpg)
May 11, 2018Gov. Jerry Brown opted not to include major investments in public health insurance programs in his budget revision on Friday, citing a preference for one-time spending measures over long-term commitments.
![FILE - In this Feb. 12, 2015 file photo Laura San Nicolas, right, and her daughter Geena, wait to meet with an enrollment counselor to sign up for health insurance at Sacramento Covered in Sacramento, Calif. Rich Pedroncelli / AP Photo](/cdn-cgi/image/format=auto,width=186,height=140,fit=crop/media/9217617/coveredCaliforniaStock080117P.jpg)
February 7, 2018Enrollment in Covered California dropped slightly this year. Numbers out today show 1.5 million people enrolled for 2018. That's down about two percent from the previous year. A drop in renewals offset gains in new enrollees.
![Mike Mozart / Flickr](/cdn-cgi/image/format=auto,width=186,height=140,fit=crop/media/7135404/Mcdonalds-071816P.jpg)
September 28, 2017There's a big public health push to stop pumping livestock with antibiotics. A new report looks at which fast food chains are being choosy about their meat.
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