Covered California, the state's new health insurance marketplace for people who do not have coverage through an employer, has released information about plans it will offer and examples of premiums.

Thirteen plans were selected statewide, but some will be available only in certain regions. Bay Area residents will generally have a choice of four to six plans.

A booklet explaining what is available at www.coveredca.com.

More details will be released this fall. People will be able to sign up in October for coverage that begins in January.

Premiums will vary based on where people live, their age and which plan they select.

Each insurer will offer four plans -- labeled bronze, silver, gold or platinum -- that will differ based on how much the consumer pays through co-pays and deductibles, compared to what the plan pays.

Here are the coverage levels:

  • Bronze -- Consumer pays 40 percent, health plan 60 percent.

  • Silver -- Consumer pays 30 percent, health plan 70 percent.

  • Gold -- Consumer pays 20 percent, health plan 80 percent.

  • Platinum -- Consumer pays 10 percent, health plan 90 percent.

    The plans will be standardized and all must offer 10 essential benefits, making it much easier for people to do apples-to-apples comparisons.


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    Benefits that must be provided include ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance abuse services including behavioral health treatment, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management, and pediatric services.