{"id":49538,"date":"2024-11-27T07:00:00","date_gmt":"2024-11-27T11:00:00","guid":{"rendered":"https:\/\/www.univistainsurance.com\/?p=49538"},"modified":"2024-11-26T16:17:13","modified_gmt":"2024-11-26T20:17:13","slug":"planes-salud-obamacare-2025","status":"publish","type":"post","link":"https:\/\/www.univistainsurance.com\/es\/blog\/planes-salud-obamacare-2025\/","title":{"rendered":"Obamacare: \u00bfQu\u00e9 plan de salud elegir? Platino, Oro, Plata o Bronce explicado paso a paso"},"content":{"rendered":"\n<p>Contar con un seguro m\u00e9dico bajo&nbsp;<strong>Obamacare<\/strong>&nbsp;garantiza acceso a atenci\u00f3n de salud de alta calidad y, en la mayor\u00eda de los casos, subsidiada por el gobierno. Pero, \u00bfc\u00f3mo elegir el plan adecuado para ti?<\/p>\n\n\n\n<p>Te explicamos las diferencias entre los planes&nbsp;<strong>Bronce, Plata, Oro y Platino<\/strong>, c\u00f3mo funcionan, y cu\u00e1l puede ser el m\u00e1s adecuado seg\u00fan tu presupuesto y necesidades m\u00e9dicas.<\/p>\n\n\n\n<p><strong>\u00bfCu\u00e1les son las categor\u00edas de los planes de Obamacare?<\/strong><\/p>\n\n\n\n<p>Los planes m\u00e9dicos subsidiados por&nbsp;<strong>Obamacare<\/strong>&nbsp;se dividen en cuatro categor\u00edas principales:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bronce<\/li>\n\n\n\n<li>Plata<\/li>\n\n\n\n<li>Oro<\/li>\n\n\n\n<li>Platino<\/li>\n<\/ul>\n\n\n\n<p>Estas categor\u00edas no est\u00e1n relacionadas con la calidad de la atenci\u00f3n m\u00e9dica, sino con c\u00f3mo se dividen los costos entre el seguro y el paciente.<\/p>\n\n\n\n<p>Por ejemplo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un plan\u00a0<strong>Bronce<\/strong>\u00a0cubre el\u00a0<strong>60%<\/strong>\u00a0de los costos m\u00e9dicos, y el beneficiario paga el\u00a0<strong>40%<\/strong>.<\/li>\n\n\n\n<li>Un plan\u00a0<strong>Plata<\/strong>\u00a0cubre el\u00a0<strong>70%<\/strong>\u00a0de los costos.<\/li>\n\n\n\n<li>Un plan\u00a0<strong>Oro<\/strong>\u00a0cubre el\u00a0<strong>80%<\/strong>.<\/li>\n\n\n\n<li>Un plan\u00a0<strong>Platino<\/strong>\u00a0cubre el\u00a0<strong>90%<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00bfQu\u00e9 plan es el m\u00e1s adecuado para ti?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Plan Bronce:\n<ul class=\"wp-block-list\">\n<li><strong>Ideal para:<\/strong>\u00a0Personas j\u00f3venes, saludables, con pocas necesidades m\u00e9dicas.<\/li>\n\n\n\n<li><strong>Caracter\u00edsticas:<\/strong>\u00a0Primas mensuales m\u00e1s bajas, pero deducibles y costos de bolsillo m\u00e1s altos.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Plan Plata:<\/li>\n<\/ol>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ideal para:<\/strong>\u00a0Personas con ingresos bajos o medianos que califican para subsidios adicionales (reducci\u00f3n de costos compartidos).<\/li>\n\n\n\n<li><strong>Caracter\u00edsticas:<\/strong>\u00a0Balance entre primas mensuales y deducibles.<\/li>\n\n\n\n<li>Plan Oro:<\/li>\n<\/ol>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ideal para:<\/strong>\u00a0Personas con necesidades m\u00e9dicas frecuentes o tratamientos costosos.<\/li>\n\n\n\n<li><strong>Caracter\u00edsticas:<\/strong>\u00a0Primas m\u00e1s altas, pero menor costo de bolsillo al usar los servicios m\u00e9dicos.<\/li>\n\n\n\n<li>Plan Platino:<\/li>\n<\/ol>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ideal para:<\/strong>\u00a0Personas con altos gastos m\u00e9dicos que desean minimizar los costos de bolsillo.<\/li>\n\n\n\n<li><strong>Caracter\u00edsticas:<\/strong>\u00a0Primas m\u00e1s altas, pero el seguro cubre la mayor parte de los gastos (90%).<\/li>\n<\/ol>\n\n\n\n<p><strong>Deducibles y costos en los planes de Obamacare<\/strong><\/p>\n\n\n\n<p>El&nbsp;<strong>deducible<\/strong>&nbsp;es el monto que el paciente debe pagar de su bolsillo antes de que el seguro comience a cubrir los gastos m\u00e9dicos.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>En un plan Bronce, el deducible ser\u00e1 m\u00e1s alto que en un plan Platino.<\/li>\n\n\n\n<li>Los planes con deducibles m\u00e1s bajos (Oro y Platino) suelen tener primas mensuales m\u00e1s altas.<\/li>\n<\/ul>\n\n\n\n<p>Por eso, si eres una persona saludable y rara vez visitas al m\u00e9dico, un plan Bronce o Plata puede ser la opci\u00f3n m\u00e1s econ\u00f3mica.<\/p>\n\n\n\n<p><strong>\u00bfC\u00f3mo ahorrar con un seguro de Obamacare?<\/strong><\/p>\n\n\n\n<p>La&nbsp;<strong>Ley de Cuidado de Salud Asequible (ACA)<\/strong>&nbsp;permite reducir las primas mensuales y otros costos en funci\u00f3n de tus ingresos. La mayor\u00eda de los planes est\u00e1n subsidiados por el gobierno, lo que hace m\u00e1s accesible obtener cobertura m\u00e9dica.<\/p>\n\n\n\n<p>Recuerda: los subsidios son mayores para quienes eligen un plan&nbsp;<strong>Plata<\/strong>&nbsp;y cumplen con los requisitos de ingresos.<\/p>\n\n\n\n<p><strong>Conclusi\u00f3n: \u00bfQu\u00e9 plan de Obamacare es el mejor para ti?<\/strong><\/p>\n\n\n\n<p>Elegir el plan correcto puede ser complicado, pero es clave para garantizar que tu seguro se ajuste a tu presupuesto y necesidades.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si buscas ahorrar en primas y no usas frecuentemente servicios m\u00e9dicos, considera un plan\u00a0<strong>Bronce o Plata<\/strong>.<\/li>\n\n\n\n<li>Si necesitas atenci\u00f3n m\u00e9dica frecuente o tratamientos costosos, un plan\u00a0<strong>Oro o Platino<\/strong>\u00a0podr\u00eda ser tu mejor opci\u00f3n.<\/li>\n<\/ul>\n\n\n\n<p>Independientemente de la categor\u00eda que elijas, es importante actuar pronto. \u00a1El per\u00edodo de inscripci\u00f3n cierra el pr\u00f3ximo&nbsp;<strong>15 de enero<\/strong>!<\/p>\n\n\n\n<p>Para obtener asesor\u00eda personalizada, consulta con un especialista en seguros de 51³Ô¹ÏºÚÁÏÍø. Ellos te ayudar\u00e1n a encontrar el plan subsidiado que m\u00e1s te conviene.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Contar con un seguro m\u00e9dico bajo&nbsp;Obamacare&nbsp;garantiza acceso a atenci\u00f3n de salud de alta calidad y, en la mayor\u00eda de los casos, subsidiada por el gobierno. Pero, \u00bfc\u00f3mo elegir el plan adecuado para ti? Te explicamos las diferencias entre los planes&nbsp;Bronce, Plata, Oro y Platino, c\u00f3mo funcionan, y cu\u00e1l puede ser el m\u00e1s adecuado seg\u00fan tu [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":49540,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[42],"tags":[1219,1217,1221],"class_list":["post-49538","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-de-salud","tag-categorias-de-seguros","tag-planes-de-salud-obamacare-2","tag-seguro-medico-subsidiado-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v24.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Planes de Salud Obamacare 2025: Platino, Oro, Plata o Bronce<\/title>\n<meta name=\"description\" content=\"Descubre las diferencias entre los planes Bronce, Plata, Oro y Platino de Obamacare. 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