Health Insurance Plans Available on the Marketplac

市场上可用的健康保险计划

There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan’s network of doctors, hospitals, pharmacies, and other medical service providers. Others pay a greater share of costs for providers outside the plan’s network. Here is an overview of the types of marketplace plans available to you.

市场上有不同类型的健康保险计划，旨在满足不同的需求。有些计划限制您的医疗提供者选择，或鼓励您从计划网络中的医生、医院、药房和其他医疗服务提供者那里获得护理。其他计划则在您选择网络外提供者时承担更大比例的费用。以下是您可用的市场计划类型概述。

Types of Marketplace plans

市场计划类型

Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level – Bronze, Silver, and Gold.

根据您所在地区提供的计划数量，您可能会在每个金属等级（青铜、白银、黄金）中找到所有或任何这些类型的计划。

Some examples of plan types you’ll find in the Marketplace:

一些您在市场上找到的计划类型示例：

• Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
• 专属提供者组织（EPO）：一种管理式医疗计划，只有在使用计划网络中的医生、专家或医院时，服务才会被覆盖（紧急情况除外）
• Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
• 健康维护组织（HMO）：一种健康保险计划，通常将覆盖范围限制在为HMO工作或与其签约的医生提供的护理。一般情况下，除了紧急情况外，不会覆盖网络外的护理。HMO可能要求您居住或工作在其服务区域内才能有资格获得覆盖。HMO通常提供综合护理，并专注于预防和健康管理。
• Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.
• 优先提供者组织（PPO）：一种健康计划，如果您使用计划网络中的提供者，您将支付更少的费用。您可以在网络外使用医生、医院和提供者，而无需转诊，但需支付额外费用。

For more information about the different options visit www.healthcare.gov

欲了解更多不同选项的信息，请访问 www.healthcare.gov

There are pro’s and con’s for each option. It’s important to select the right option based on your needs. Contact us for guidance in selecting the right policy for you and your family. There is no cost to you for our help.

每种选择都有优缺点。根据您的需求选择合适的选项非常重要。请与我们联系，获得选择适合您和您家庭的政策的指导。我们的帮助对您没有费用。