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The Affordable Care Act created the metal tiers system to simplify shopping for insurance plans. Each plan has a metal tier — bronze, silver, gold, or platinum — and all the plans in the same tier pay the same percentage of your medical bills when you receive care.

As a rule of thumb, plans with bronze and silver metal tiers have a lower monthly premium, but they also pay a lower percentage when you get care. Gold and platinum plans cost more each month, but they cover a higher percentage of medical costs. To choose the right plan, you should think about how much the plan costs each month, as well as how much you expect to use your insurance. If you use a lot of medical services each year, a Platinum plan with higher monthly premium might actually save you money by paying for most of your costs throughout the year.

For help choosing the right metal tier, call us at 800-581-4256.
Bronze
Silver
Gold
Platinum
Don't plan on using a lot of health care services
Need to balance monthly premium with costs when medical care is needed
Want to save on monthly premiums while keeping costs low for medical care
Plan to use a lot of health care services
Monthly Cost
$
$$
$$$
$$$$
Cost When I Get Medical Care
$$$$
$$$
$$
$
% of People That Choose This Plan
27%
62%
6%
5%
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Bronze Plan Pays 60%
Silver Plan Pays 70%
Gold Plan Pays 80%
Platinum Plan Pays 90%
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