John and Jane Anderson, a married couple, are thinking about applying for health insurance coverage at

HealthCare.gov but are worried they will pick the wrong plan. What are some things you can tell them?

Select the three correct answers.

A$.$ All plans sold in the Marketplaces for individuals and families must meet certain criteria, including providing coverage for $10$ essential health benefits and following established limits on cost sharing.

B$.$ If they qualify for advance payments of the premium tax credit and cost$-$sharing reductions, they can compare available plans with those subsidies factored into the estimated costs at

HealthCare.gov.

C$.$ They can take advantage of cost$-$sharing reductions by s$$lecting a Gold or Platinum plan.

D$.$ They can use the Window Shopping Tool to compare prices and coverage for medications they take and doctors and hospitals they use for care.