You and your family's well-being is what’s most important to us at WellFirst Health — Provided by SSM Health Plan. Let's face it, health coverage can be confusing. So we want to make that part easy for you.
The Marketplace (also known as the Exchange or healthcare.gov) is where individuals can compare and purchase health plans for themselves and their family. Marketplace plans are great for individuals and families who are eligible for discounts or financial subsidies. These discounts can include:
Tax credits - Tax credits lower the monthly premium you pay for health coverage and are more available than ever due to the 2021 American Rescue Plan act. Depending on your household income level, these credits can pay for a considerable amount of your premium. You can use your tax credit on most Marketplace plans.
Cost sharing reductions
| Percentage of Federal Poverty Level | |||
| Size of Household | 100% | 250% | 400% |
| 1 Person | $14,580 | $36,450 | $58,320 |
| 2 People | $19,720 | $49,300 | $78,880 |
| 3 People | $24,860 | $62,150 | $99,440 |
| 4 People | $30,000 | $75,000 | $120,000 |
| Coverage Information | May qualify for cost-sharing reductions and advanced premium tax credits | May qualify for cost-sharing reductions and advanced premium tax credits | May qualify for advanced premium tax credits |
We offer a variety of options for silver plans that are eligible for cost-sharing reduction plans.
We have health plans to fit your lifestyle and budget. Whether you’re looking for a lower-premium plan, to limit your overall out-of-pocket, or even just for a catastrophic safety net plan, we’re here for you.
Our plans not only offer the 10 essential health benefits, but $0 preventive services and additional benefits to put your health and wellness first:
All Individual & family plans are divided into metal categories. These categories show how you and your plan share costs. No matter which category your plan falls in, the quality of care does not change.
Bronze plans are best if you do not typically need to see your doctor or use your prescription coverage very often. The monthly premium payment will be lower, but when you do need care, your out-of-pocket costs will be higher.
Silver plans have your out-of-pocket costs and your monthly premiums more evenly balanced. These plans are beneficial if you may use your health care for more than just preventive care.
Gold plans are ideal and cost-efficient if you anticipate going to your provider or pharmacy frequently. These plans will have a higher monthly premium payment, but your out-of-pocket costs will be lower.
Learn about health coverage basics
Outside open enrollment, you can enroll in new coverage or make changes to your existing policy—if you have a certain life event that qualifies you for a special enrollment period.
