DISCLAIMER: The information in each guide applies only to exclusions to gender-affirming care. These ratings were compiled by Out2Enroll through a review of silver marketplace plans, based on an assumption that bronze, gold, and platinum plans will have similar coverage. You should check your specific plan policy to confirm. Out2Enroll did not contact insurance companies to verify this information. Additionally, plans may have other exclusions (such as cosmetic exclusions) that may impact your coverage, so you should carefully review each plan to ensure it meets your particular medical needs. We recommend that you always obtain prior authorization from your insurance carrier for any gender-affirming procedure. Finally, not all insurers offer coverage in all areas of the state, so carefully review the options in your area.