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.
Plan Category The insurance company pays… You pay…
Bronze 60% 40%
Silver 70% 30%
Gold 80% 20%
Platinum 90% 10%