Platinum. These categories are simply just the amount of out of pocket expenses you pay versus what the insurance company pays.


How the costs are split based on a plan. Costs will vary.


Health Insurance Metal Categories

Features of each “metal” category:


These features are generalized and may vary based on your income level. The table below is a rough view of how to compare the metal categories.




Cost with Care


Bronze Lowest Highest Highest
Silver Moderate Moderate Moderate
Gold High Low Usually Low
Platinum Highest Lowest Very Low



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