When you compare plans in the Marketplace, the plans appear in 4 “metal” categories: Bronze, Silver, Gold, and Platinum. The categories are based on how you and your plan share the total costs of your care.
Note: Plans in all categories provide free preventive care, and some offer selected free or discounted services before you meet your deductible.
Generally speaking, categories with higher premiums (Gold, Platinum) pay more of your total costs of healthcare. Categories with lower premiums (Bronze, Silver) pay less of your total costs. If you qualify for cost-sharing reductions (CSRs), Silver plans may offer a better value. If you qualify, your deductible will be lower and you’ll pay less each time you get care.
Review the metallic levels at a glance:
- If you have a Bronze plan, the insurance company pays 60% and you pay 40%.
- If you have a Silver plan, the insurance company pays 70% and you pay 30%.
- If you have a Gold plan, the insurance company pays 80% and you pay 20%.
- If you have a Platinum plan, the insurance company pays 90% and you pay 10%.