STEP 3. CONSIDER YOUR SPECIFIC HEALTH NEEDS AND CHOOSE A PLAN FROM THE FOLLOWING OPTIONS.

In broad terms, determine what kind of health care you and your family will need. Are you healthy but just need coverage in case of an injury or major illness? Do you have a pre-existing condition for which you’ll need surgery or multiple visits to a doctor? Do you have children, and do they have any special needs? Answers to questions like these will help determine what type of policy you’ll need. From there, you’ll pick a plan best-suited to your needs.

The two insurance providers that will offer ACA policies in Nevada in 2018 — Health Plan of

Nevada and Centene Corp., which is operating in Nevada as SilverSummit — both offer three levels of coverage. Sample plans may look like this:

Gold: Highest monthly premiums, but also the lowest co-pays for policyholders — 20 percent or less of medical bills after meeting the deductible.

Silver: Lower premiums, higher co-pays — 30 percent after meeting deductible.

Bronze: Lower premiums still, but co-pays edge up to 40 percent.

Health Plan of Nevada also offers a lower-tier option: Catastrophic: Lowest premiums and least coverage, with policyholder paying more than 40 percent of costs after meeting deductible.