Silver Bronze Gold Plans

Understanding Metal Tiers

Health insurance plans are categorized into metal tiers that indicate how much of your healthcare costs the plan will cover. The tier affects your premiums, deductibles, and out-of-pocket expenses.

Bronze

Plan Pays:

60%

You Pay:

40%

Lowest Premiums

Highest Deductibles

Silver

Plan Pays:

70%

You Pay:

30%

Gold

Plan Pays:

80%

You Pay:

20%

Higher Premiums

Lower Deductibles

Platinum

Plan Pays:

90%

You Pay:

10%

Highest Premiums

Lowest Out-of-Pocket

Which Plan Tier is Right for You?

Bronze Plans

Best For:

• Young, healthy individuals
• People who rarely need medical care
• Those wanting catastrophic protection
• Budget-conscious consumers

Typical Costs:

• Lowest monthly premiums
• High deductibles ($6,000-$8,000+)
• Higher copays and coinsurance

Silver Plans

Best For:

• Most people and families
• Those eligible for cost-sharing reductions
• People with moderate healthcare needs
• First-time insurance buyers

Typical Costs:

• Moderate monthly premiums
• Moderate deductibles ($3,000-$5,000)
• Balanced cost-sharing

Only Silver plans qualify for cost-sharing reductions!

Gold Plans

Best For:

• People with ongoing medical needs
• Those who take regular medications
• Families with frequent doctor visits
• People who prefer predictable costs

Typical Costs:

• Higher monthly premiums
• Lower deductibles ($1,000-$3,000)
• Lower copays and coinsurance

Platinum Plans

Best For:

• People with chronic conditions
• Those expecting high medical costs
• People who want minimal out-of-pocket costs
• Those who prefer maximum coverage

Typical Costs:

• Highest monthly premiums
• Very low deductibles ($0-$1,000)
• Minimal copays and coinsurance

Important: Cost-Sharing Reductions

What are Cost-Sharing Reductions?

Cost-sharing reductions (CSRs) are discounts that lower your out-of-pocket costs for deductibles, copayments, and coinsurance. These are only available with Silver plans.

If you qualify for CSRs, a Silver plan can provide Gold or even Platinum-level coverage at Silver plan premium prices.

Who Qualifies?

✓ Household income between 100-250% of Federal Poverty Level
✓ Must enroll in a Silver plan
✓ Must already qualify for premium tax credits

Get Help Choosing Your Plan Tier

Understanding Metal Tiers

Bronze

Silver

Gold

Platinum

Which Plan Tier is Right for You?

Bronze Plans

Best For:

Typical Costs:

Silver Plans

Best For:

Typical Costs:

Gold Plans

Best For:

Typical Costs:

Platinum Plans

Best For:

Typical Costs:

Important: Cost-Sharing Reductions

What are Cost-Sharing Reductions?

Who Qualifies?

Not Sure Which Tier is Right for You?