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Marketplace…Exchanges? It’s all so confusing. When it come to Patient Protection and Affordable Care Act AKA: PPACA or ACA for short, they are in fact the same.

() Now that weve cleared that up,  beginning October 1, youll be able to log on to your states marketplace, enter the number of people in your household, their ages, smoking or non smoking, annual family income, your desired level of coverage, and you will have estimated premiums for you and yours, and the amount of tax credit or subsidy for which you may be eligible. Those tax credits, depending on your income, could improve your monthly premium by more than half. Household incomes up to $ 94,200 (based on 2013 estimates) qualifies for help.

The state marketplaces will have plan levels. Plans more or less will cover the same services but will vary in the level of costs and coverage: Bronze covers 60% of medical costs, silver covers 70%, gold covers 80% and platinum covers 90 % of medical costs. Lower or higher out-of-pocket costs will affect your premium.

Everyone will need guidance in making the right decision for you and your family.

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