ACA health plans are categorized into four metal levels: Bronze plans have the lowest premiums but highest out-of-pocket costs, while Silver offers moderate costs with extra savings. Gold features higher premiums but lower medical expenses, and Platinum provides maximum coverage with the highest premiums but lowest out-of-pocket costs.

Once you enroll, you'll receive insurance cards and can start using coverage by finding in-network providers, scheduling appointments, and presenting your insurance card at visits. You'll pay any required copayments at the time of service, and your insurance will cover the remaining costs according to your plan's benefits.