Marketplace plans are often grouped into metal tiers: Bronze, Silver, Gold, and Platinum. These categories generally describe how you and the plan share the costs of covered care—not the quality of medical treatment.

Bronze plans

Bronze plans generally have lower monthly premiums and higher costs when you use services. They may appeal to people who prioritize a lower premium, but you should consider whether you can manage the deductible and other expenses.

Silver plans

Silver plans sit between Bronze and Gold in the general cost-sharing structure. Eligible applicants may qualify for cost-sharing reductions with a Silver plan, which can lower certain out-of-pocket costs.

Gold plans

Gold plans generally have higher premiums than Silver or Bronze plans and lower cost-sharing when you receive covered services, though actual plan designs vary.

Platinum plans

Platinum plans generally have higher premiums and lower cost-sharing for covered care. Availability varies by market.

What else should you compare?

Check provider networks, prescription formularies, deductibles, copayments, coinsurance, and the annual out-of-pocket maximum. Review the plan’s benefits rather than relying on the metal tier alone.

Important: Actual costs and benefits vary by plan and location. Confirm details through HealthCare.gov or your state Marketplace.