In this episode of the Averity Insurance Podcast, we unpack one of the most misunderstood topics in the health insurance world: $0 premium plans. You’ve probably seen “free insurance” on the Marketplace — but is it actually free?

We break down how $0 premiums really work, what the government covers, and what you still pay out of pocket. We also dive into:

• Bronze vs. Silver vs. Gold vs. Platinum plans • Deductibles, max out-of-pocket, and how risk actually works • Why a $0 plan can end up costing you more later • When a Bronze plan makes sense (and when it doesn’t) • How supplemental accident policies fill the gaps • Real client stories comparing free and paid plans

If you want coverage that actually fits your needs and budget, this episode explains everything in simple, no-fluff language. Like, comment, and subscribe for more insurance clarity — and reach out to our team anytime with questions