Choosing an ACA Health Insurance Plan is one of those sentimental holiday season activities we look forward to each year. Here is the process I used to choose our plan for 2025. Choosing Our ACA Health Insurance Plan for 2025 First things first, we need to understand the lay of the land. We are a family of 4 living in California. Covered California provides this handy income/FPL chart (full pdf chart available here ), but the concepts apply to any state exchange. In 2024, the State of California provided their own funding for Silver Plan CSRs which eliminated deductibles on all of those plans. In 2025 that funding was increased so households with income above 250% can also choose a zero deductible Silver 73 plan. Probably worth noting here, a Silver plan typically has an actuarial value of 70% (the insurance company covers 70% of costs, you cover the rest) so a 3% bump here is nothing major – in this particular case they are using the 3% to lower deductibles.…