The metal tiers are a way to categorize health plans.
With “higher” metal tiers like Gold and Platinum, you pay higher monthly premiums, but less out of pocket when you use medical care.
With “lower” tiers like Silver and Bronze, your premiums are cheaper but you might pay more when you go to the doctor.
It’s worth noting your quality of care is no different with different metal tiers! All the plans we offer are ACA-compliant. That means they cover essential health benefits like preventive care, and are available even to folks with pre-existing conditions.
Platinum
Has the highest premium but the lowest cost when you need care. These plans are estimated to cover ~90% of the cost of care.
Gold
Has a high premium but a low cost when you need care. These plans are estimated to cover ~80% of the cost of care.
Silver
Has a mid-range premium and mid-range cost when you need care. These plans are estimated to cover ~70% of the cost of care.
If you're eligible for Cost Sharing Reductions, which help lower your out-of-pocket costs, they are only available if you enroll in a Silver plan.
Bronze
Has a low premium but a high cost when you need care. These plans are estimated to cover ~60% of the cost of care.
Catastrophic
Catastrophic plans are very high deductible plans available to people under 30, or with certain exemptions. They generally have cheap monthly premiums, but will only cover you in extreme scenarios.
Catastrophic plans are generally not eligible for savings.