This means you can't find a better price for the same insurer's product. Expert Advice from an Insurance Professional.
Plans in the Marketplace are presented in 4 “metal” categories: Bronze, Silver, Gold, and Platinum. (“Catastrophic” plans are also available to some people.)
FYIMetal categories are based on how you and your plan split the costs of your health care. They have nothing to do with quality of care.
| Plan Category | The insurance company pays | You pay |
|---|---|---|
Bronze | 60% | 40% |
Silver | 70% | 30% |
Gold | 80% | 20% |
Platinum | 90% | 10% |
Note: Plans in all categories provide free preventive care, and some offer selected free or discounted services before you meet your deductible.
No matter which metal category you choose, you can save a lot of money on your monthly premium based on your income.
