# Health Insurance There are health insurance subsidies available Four levels of insurance plans: * Bronze: a good option for those who rarely see a doctor * Silver: will pay the deductible when hospitalized or need surgery * Gold: * Platinum: no deductible Note that there are two kinds of bronze plans and silver plans Minimum Coverage Plan for 30 yr. and younger, pay everything out of pocket except first 3 non-preventative visits. Enhanced Silver Health Plans pay lower premiums and deductible, qualification based on income Covered California PPO vs HMO vs EPO vs POS PPO: more expensive, but is more flexible. not required to select a primary care physician HMO: have to stay in network EPO: hybrid Blue Shield has PPO and HMO available Blue Shield has the largest network in California Apply via Covered California if have subsidies --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://tk233.gitbook.io/notes/life/page-4.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.