Bronze · Silver · Gold · Platinum
Metal tiers, explained
Metal tiers describe actuarial value — the share of covered costs a plan pays on average for a standard population. They do not predict one person's bill, network, formulary, or care quality.
- Bronze~60% covered
About 60% actuarial value on average; compare the lower-premium tradeoff against the plan's deductible and out-of-pocket maximum.
- Silver~70% covered
About 70% actuarial value on average; the only tier that provides cost-sharing reductions when a person qualifies.
- Gold~80% covered
About 80% actuarial value on average; compare the higher premium with the plan's cost sharing for expected care.
- Platinum~90% covered
About 90% actuarial value on average; availability and total cost vary by market and plan.
Source: HealthCare.gov (metal tiers, actuarial value). Actuarial value is an average across a standard population, not your personal cost. · Last reviewed: 2026