Metal level plans or metal tiers allow consumers to compare plans with similar coverage.
A health insurer's Bronze plans usually will have the lowest premiums and highest out-of-pocket costs; copays, deductibles and coinsurance – while Platinum plans usually have the highest premiums and the lowest member cost-sharing. However, it is also possible that lower tier plans offered by one insurer may be less expensive than another insurer's higher tier plans. Insurers selling coverage to individuals may offer several different options within a given metal level, but they are not required to offer plans in all four levels.
| Metal Tier |
Percent of
Actuarial Value* |
Monthly Premium |
Cost When You
Get Care |
|
|---|---|---|---|---|
|
Platinum
Ideal for those who visit the doctor frequently or have a chronic condition. |
90% | $$$$ | $ | |
|
Gold
Ideal for those who see doctors and specialists several times a year. |
80% | $$$ | $$ | |
|
Silver
Ideal for individuals and families who visit a doctor several times a year in addition to yearly check-ups. |
70% | $$ | $$$ | |
|
Bronze
Ideal for those who are very healthy, under 30 years old and only want to cover major medical events. |
60% | $ | $$$$ | |
