The best plan is always the one that you can afford and covers your medical needs.

For Marketplace plans, you can tailor the premiums and cost-sharing depending on the amount of care you typically need each year. Silver plans are ideal for most families as the offer a balance of premiums and deductibles. Gold plans are better for families expecting high medical usage, offering higher premiums, but lower out-of-pocket cost.

Regardless of the plan though, the care you receive is the same- the doctors doing the work don’t care if you have a Bronze or Platinum plan.

Other key considerations are coverages for kids. Ensure that your plan covers pediatric dental and vision if you need it.