pr_tiersThe health plan category you choose determines how you and your plan share the costs of care. These categories have nothing to do with the quality or amount of care you get.

There are 4 categories or “metal levels” of coverage in the Marketplace. Plans in each category pay different amounts of the total costs of an average person’s care. This takes into account the plans’ monthly premiums, deductibles, copayments, coinsurance, and out-of-pocket maximums. The actual percentage you’ll pay in total or per service will depend on the services you use during the year.

Bronze: Your health plan pays 60% on average. You pay about 40%.
Silver: Your health plan pays 70% on average. You pay about 30%.
Gold: Your health plan pays 80% on average. You pay about 20%.
Platinum: Your health plan pays 90% on average. You pay about 10%.