Thread by @jdcmedlock

Dec 15th is the deadline to enroll in ACA plans (later in many states)

If you make between 100-200% of the federal poverty line, you're probably best off with a Silver plan

Between 200-400%, you're probably best off with a Gold or Bronze

Above 400%, Bronze is likely best

In the 100-200% range ($12,760-$25,520 for an individual, $26,200-$52,400 for a family of four), you get Cost Sharing Reduction payments. You probably qualify for a free Bronze plan, but silver will most likely be a better deal healthaffairs.org/doi/full/10.13…

From 200-400% FPL (up to $51,040 for an individual, $104,800 for a family of four), you're probably better off with a Bronze plan, but there's a chance that silver loading has made Gold plans particularly cheap (sometimes less than Silver), in which case it's probably worth it

About 400% FPL, Bronze plan will almost always be the best deal for you, even though they're not great
xpostfactoid.blogspot.com/2019/09/unsubs…

Important to note this only applies to the ACA exchanges (healthcare dot gov, and the various state run exchange websites). This does not apply to employer provided insurance

https://twitter.com/jdcmedlock/status/1336055247744032768

Also, if you're already in a plan, you should check the exchanges again. In an ideal world you shouldn't have to think about any of this at all, but there's a real chance you can switch plans and save money, don't just let it autorenew

More good advice

https://twitter.com/crulge/status/1336058793491378176?s=20

Below the poverty line, you are ineligible for ACA subsidies, so Medicaid is definitely your best bet (though you may be in a very tough spot if you're in a non-expansion state)

https://twitter.com/G1G1Byers/status/1336058757755891816

If you're under 30, and above 400% FPL, go with a catastrophic rather than Bronze plan

https://twitter.com/JonWalkerDC/status/1336059590585159681