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Open Enrollment plans are eligible for federal subsidies, which are based on household income. Pre-existing conditions are covered. If you missed Open Enrollment, there are several low-cost options available, including short-term options.

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Individual and family plans are offered by most major companies and include mandatory "essential health benefits." You can choose among a wide range of copays and deductibles. The four available Metal policies are Platinum, Gold, Silver and Bronze. Catastrophic plans are also offered.

True major medical policies allow you to select a higher deductible to substantially reduce the premium. You may also qualify for "cost-sharing," which is available on Silver-tier plans and it reduces your out-of-pocket expenses.