Silver plans are perfect for the average individual and family that sees their doctor a few times a year. Silver plan deductibles are usually lower than bronze plans. If you are shopping for coverage through the health insurance marketplace and qualify for cost-sharing reductions, you must enroll in a silver plan to use those extra savings.

Split deductible plans offer separate deductibles for medical services and prescription drugs. This design helps reduce out-of-pocket costs for medications early in the plan year, especially for those with ongoing prescription needs. By splitting the deductibles, members have more flexibility and control in managing health care expenses throughout the year.