Understand Bronze, Silver, Gold, and Platinum plans. Find the best coverage for your health needs and budget.
Compare key features across all metal tiers
| Feature | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Actuarial Value | 60% | 70% | 80% | 90% |
| Average Monthly Premium | $350 | $450 | $575 | $725 |
| Average Deductible | $7,500 | $4,500 | $1,500 | $250 |
| Out-of-Pocket Maximum | $9,100 | $8,700 | $8,700 | $4,500 |
| Coinsurance (You Pay) | 40% | 30% | 20% | 10% |
| Best For | Young, healthy individuals who rarely need care | Most people, especially those qualifying for CSR subsidies | People who regularly use healthcare services | Those with high healthcare needs or multiple conditions |
Young, healthy individuals who rarely need care
Most people, especially those qualifying for CSR subsidies
People who regularly use healthcare services
Those with high healthcare needs or multiple conditions
If your income is between 100-250% of the Federal Poverty Level, you may qualify for Cost-Sharing Reductions (CSR) - extra savings that are only available with Silver plans.
Income 200-250% FPL
73% coverage
Better than standard Silver
Income 150-200% FPL
87% coverage
Better than Gold!
Income 100-150% FPL
94% coverage
Better than Platinum!
With CSR, a Silver plan becomes the best value. You get Gold or Platinum-level coverage at Silver-level prices. This is why experts often recommend Silver for subsidy-eligible families.
The metal tiers represent how costs are shared. Bronze covers 60% of costs (you pay 40%), Silver covers 70%, Gold covers 80%, and Platinum covers 90%. Higher tiers have higher premiums but lower out-of-pocket costs when you use care.
Bronze: Best if you're healthy, rarely need care, and want low premiums. Silver: Best if you qualify for CSR or want balanced coverage. Gold: Best if you regularly use healthcare. Platinum: Best if you have high medical needs.
Yes! All ACA plans cover the same 10 essential health benefits including hospitalization, prescriptions, maternity care, mental health, and preventive care. The tier only affects how much you pay when using these services.
CSR are extra savings that lower your deductible and out-of-pocket costs. They're only available with Silver plans for people earning 100-250% of the Federal Poverty Level. With CSR, Silver plans can offer better coverage than Gold or Platinum at lower prices.
Our licensed agents can help you compare plans based on your specific health needs, budget, and doctor preferences. Free assistance, no obligation.