Looking for affordable and high-value health insurance in 2025? The 2025 Covered California Silver 87 Plan might be the perfect fit for you! The Silver 87 Plan is designed to provide exceptional coverage at lower costs; this plan offers more affordable premiums and copays compared to other options. If you qualify, the Silver 87 Plan ensures you receive the healthcare you need without stretching your budget.
At Skyline Benefit, California’s trusted health insurance broker, we’re here to guide you through Covered California Enhanced Silver Plans to help you find the best option for your needs.
What Is the 2025 Covered California Silver 87 Plan?
The Silver 87 Plan is one of the Enhanced Silver Plans offered through Covered California, providing more cost-sharing benefits for eligible individuals and families.
Key Features of the Silver 87 Plan:
- $0 Deductible: Start benefiting from low-cost doctor visits, lab tests, and prescriptions without needing to meet a deductible.
- Lower Copays: Pay less out of pocket for routine care, prescriptions, and specialist visits.
- Coinsurance for Major Services: A small percentage of hospitalizations and higher-cost treatments.
- Out-of-Pocket Maximum: You’ll never pay more than this limit for covered in-network services within a year.
This plan is one of the most cost-effective options for eligible Californians, covering more than 87% of healthcare costs.
Who Qualifies for the 2025 Covered California Silver 87 Plan?
To enroll in the Silver 87 Plan, you must meet these requirements:
- Income Eligibility: Have a household income between 150% and 200% of the Federal Poverty Level (FPL).
- Enrollment Through Covered California: You can only apply during the Open Enrollment Period or qualify for a Special Enrollment Period.
- Age Limit for Children: Children under 18 are not eligible for the Silver 87 Plan but may qualify for Medi-Cal or other full-price plans.
Is the Silver 87 Plan Right for You?
Choosing the right plan depends on your healthcare needs and financial situation. The Silver 87 Plan is ideal for:
- Individuals With Chronic or Serious Conditions: The lower out-of-pocket costs make it an excellent choice for managing ongoing healthcare needs.
- Budget-Conscious Californians: This plan balances affordability and comprehensive coverage, making it one of the best options for those who qualify.
- Families Planning Medical Procedures: If you’re considering surgery or treatment, the Silver 87 Plan offers great benefits with manageable costs.
What Happens If Your Income Changes?
Your eligibility for the Silver 87 Plan depends on your income. If your income increases above 200% of the FPL, you may need to switch to a different plan with higher cost-sharing. That’s why taking advantage of the benefits while you qualify is essential.
Why Skyline Benefit Is Your Partner in Healthcare
At Skyline Benefit, we specialize in helping Californians find affordable and comprehensive health insurance plans, including the 2025 Covered California Silver 87 Plan. Here’s how we can assist you:
- Expert Guidance: Our agents simplify the enrollment process and help you explore your options.
- Customized Recommendations: We tailor health insurance solutions to fit your healthcare needs and budget.
- Certified Insurance Brokers: As a trusted partner with Covered California, we’re here to help you every step of the way.
Need Help with Covered California Enhanced Silver Plans in 2025?
Skyline Benefit is a certified insurance agency with Covered California. We’ll help you compare Enhanced Silver Plans and find the best fit for your needs in 2025.
Our agents can review your medical needs and budget, and tailor your health insurance options during Covered California Open Enrollment.
Schedule a consultation today. Call us at: (714) 888-5112