What Is Optimal Health Insurance? 
If you 're asking about a specific company 's health insurance plan -LRB- s -RRB- name , I believe you 're referring to Optimum healthcare or Optima health . In terms of what 's the optimal coverage for a person , will depend on a number of things - there 's no one size fits all plan for health insurance . We each have our own needs and budgets for health insurance so it 's going what 's right for one person may not be the best -LRB- or optimal -RRB- plan for someone else . If you 're an individual buying on or off the exchange -LRB- and not securing group coverage through an employer -RRB- , you need to consider the level plan you want . There are four metal plans : bronze , silver , gold , and platinum . Bronze plans generally cover about 60 % of your healthcare expenses , Silver is 70 % , Gold is 80 % , and Platinum is 90 % . So , in short , the better the benefits that you want to have , the higher the premium will be.There 's also a catastrophic plan , but these are only available to individuals under age 30 . How much your health insurance costs is going to depend on several factors : your age , where you live -LRB- zip code -RRB- , what level plan you want , and which carrier your policy will be with . There are many factors that go into the pricing of a product for a specific area . Everyone 's tolerance for cost is different as well . I recommend contacting an independent broker to help get yourself set up with a health insurance plan . 