Kaiser Family Foundation. Q. I have read that the Gold plans sold in the exchanges offer more generous coverage. Generally speaking, bronze plans will have the lowest premiums and highest deductibles while gold plans will have the highest premiums and lowest deductibles. Lift your spirits with funny jokes, trending memes, entertaining gifs, … Comparing plans and choosing one can be a challenge. * The metallic categories represent the way in which you and AmeriHealth New Jersey will share the costs of your care. “September 30, 2015 Effectuated Enrollment Snapshot.” Accessed Feb. 1, 2020. 2021 Open Enrollment is over, but you may still be able to enroll in 2021 health insurance through a Special Enrollment Period. Plans are priced at four different levels of benefits: Bronze, the most basic plan, Silver, Gold, and Platinum at the top end. No matter which metal category you choose, you can save a lot of money on your monthly premium based on your income. Learn more . Save Time & Money. Kaiser Family Foundation. What exactly does a Gold plan cover that isn't covered by Bronze or Silver plans? The plan’s beneficiaries will pay the other 40% of their health care costs in the form of deductibles, coinsurance, and copayments. You can compare plans in four categories: Bronze, Silver, Gold, or Platinum. If you have a hospital charge of $1,000, your share of the costs would be $150 (15% of $1,000). No matter what plan you choose, your monthly … Platinum plans pay the highest percentage of medical costs, but also have the highest premiums. The Society for Human Resource Management offers a more detailed explanation.. A federal government website managed and paid for by the U.S. Centers for Medicare & Medicaid Services. Certain plans may have even lower out-of-pocket caps.. Starting Nov. 1, you can compare 2021 plans on the Marketplace to find the coverage that is the best fit for your financial situation and healthcare needs. HealthCare.gov. If, on the other hand, you are by-and-large healthy and don’t expect to have many bills, you might be comfortable choosing a Bronze or Silver plan. In most cases, any copayments you make do not count toward your deductible., Your share of the costs of a healthcare service is called coinsurance. (Apr. You can apply that financial help to any one of the metal tier plans, except for the Catastrophic plans. The money you pay for premiums and healthcare that your plan doesn’t cover (e.g. Plans in the Marketplace are presented in 4 “metal” categories: Bronze, Silver, Gold, and Platinum. And within each plan level, you may have an option of how your healthcare … Private treatment for major illnesses like heart disease or lung cancer 3. Now that you’re signed up, we’ll send you deadline reminders, plus tips about how to get enrolled, stay enrolled, and get the most from your health insurance. “How to save on your monthly insurance bill with a premium tax credit.” Accessed June 29, 2020. Silver Plus, Bronze Plus and Basic Plus policies cover at least one service more than normal Silver, Bronze or Basic policies. Plans are priced at four different levels of benefits: Bronze, the most basic plan, Silver, Gold, and Platinum at the top end. Knowing just a few things before you compare plans can make it simpler.. You can do it online, through an insurance broker, or by phone. When you purchase health insurance, the amount you pay for the coverage each month is called the premium. This fact sheet describes the Gold, Silver, Bronze and Basic private hospital insurance tiers, and what they mean to you. Typically, you will have different co-payment amounts for different types of service, such as a $25 copayment for a doctor’s office visit or a $250 copayment for an emergency room visit. We also reference original research from other reputable publishers where appropriate. These plans are categorized into four insurance tiers known as metal levels. Health insurance tiers There are four health insurance tiers - basic, bronze, silver and gold. If you choose a gold plan, overall you'll pay about 20 … U.S, Department of Health and Human Service. These include white papers, government data, original reporting, and interviews with industry experts. even healthy people can have accidents or become ill, September 30, 2015 Effectuated Enrollment Snapshot, State Health Insurance Marketplace Types, 2020, How to save on your monthly insurance bill with a premium tax credit, Enroll in or change 2020 plans — only with a Special Enrollment Period, The 'metal' categories: Bronze, Silver, Gold & Platinum, Family Plans Must ‘Embed’ Out-of-Pocket Limits in 2016 and Beyond, How many companies are available in each level of coverage, What Marketplace health insurance plans cover, Explaining Health Care Reform: Questions About Health Insurance Subsidies, Preventive and wellness services (such as vaccines and cancer screenings), Whether or not you smoke (in some states you will pay a “surcharge” if you are a smoker), How many people are enrolling with you (spouse and/or child). Silver Plan B, on the other hand, has a low $250 deductible but a higher 30% coinsurance. You will still have a variety of plans from which to choose, but it must be Silver to be able to take advantage of the Cost-Sharing Reduction subsidy., Many people will qualify for Advanced Premium Tax Credits, a type of subsidy that lowers your monthly premium. You may be eligible for this subsidy if your income falls between 100% and 400% of the federal poverty level ($12,760 to $51,040 for an individual)., The Cost-Sharing Reduction and Advanced Premium Tax Credits subsidies are not automatic: You must apply for them on the Health Insurance Marketplace., When choosing a plan, it is helpful to remember that all plans—Bronze, Silver, Gold and Platinum—cover the same Essential Health Benefits. Your monthly health insurance premium will be higher if you choose a higher level plan, such as Gold or Platinum. Silver deductibles — the costs you pay yourself before your plan pays anything — are usually lower than those of Bronze plans. “What Marketplace health insurance plans cover.” Accessed Feb. 1, 2021. Categories (sometimes called “metal levels”) are based on how you and your insurance plan split costs. The plan didn’t materialise at the time, but the government has now announced their system for … I want to know how to use my insurance. Under the new system of health insurance in Australia, hospital cover is now split into four distinct categories, Basic, Bronze, Silver and Gold. Learn more . You can apply that financial help to … Click here to compare the Bronze Plan, Silver Plan, Gold Plan, and Platinum Plan side-by-side. A deductible is the amount you have to pay for covered services before your insurance starts to pay. Text HELP for help. The actuarial value of a plan tells you what percentage of health care costs that health insurance plan is expected to pay for its beneficiaries. Starting in April 2020, all private hospital covers had to offer their products by a standardised tiering system: Gold, Silver, Bronze, and Basic. A health insurance Marketplace, also known as an Exchange, is where you can shop for and compare insurance plans in your state. Health plans sold through the marketplaces are sorted into tiers — bronze, silver, gold or platinum — based on how much they will help pay your medical bills, on average. You're healthy but want back-up cover for broken bones, flu and diabetes treatment (although insulin pumps are only covered in Gold cover) But not if you need: 1. Private health insurance reforms – Gold, Silver, Bronze, Basic product tiers – fact sheet . Request Health Insurance Quotes. The baseline “tier” will be a minimum amount of coverage that people need to have to satisfy the federal mandate to have health insurance … Investopedia uses cookies to provide you with a great user experience. Marcus Pickett. Qualified Health Plan Products. The value is an averag… Text STOP to cancel. As a result, serious medical events can leave the person who is insured with far higher costs. Private health insurance reforms – Gold, Silver, Bronze, Basic product tiers – fact sheet . (“Catastrophic” plans are also available to some people.). Gold – full or top health insurance cover in a private hospital; Silver – medium cover; Bronze – low cover; Basic – very little cover, if any. ... [22] Health Insurance Exchanges 2020 Open Enrollment Report. Keep in mind that all Marketplace plans are grouped into one of four of these metal tiers: Bronze, Silver, Gold … FYI Metal categories are based on how you and your plan split the costs of your health care. Gold, Silver, Bronze and Basic health insurance is just one of the reforms Medibank is rolling out to make health insurance easier to understand. For example, a Bronze … When you fill out a Marketplace insurance application, you’ll find out if you qualify for these savings. The metal tiers are Bronze, Silver, Gold, and Platinum, and they’re the same tiers used in individual health insurance plans.. Private cover for IVF, pregnancy and birth 4. These plans are broken into tiers and then assigned a metallic level: Platinum, Gold, Silver and Bronze. Of course, even healthy people can have accidents or become ill and end up with lots of medical bills, so you have to factor in your risk tolerance as well. Each of these Marketplaces offers a variety of plans from participating health insurance companies., In addition to finding health coverage, you can use the Marketplace to find out whether you qualify for money-saving federal subsidies, including Cost-Sharing Reductions, which can lower your out-of-pocket costs, and Advanced Premium Tax Credits, which lower your monthly premiums., These subsidies are available only on the Marketplace, and can make a significant difference in the type of coverage you might be able to afford. HealthCare.gov. The tiered health insurance system is part of a raft of Federal Government reforms aimed at simplifying health insurance policies for Australians. You will have to consider your health and your financial situation. The … The four tiers of health insurance plans available on the market are named after metals — bronze, silver, gold, platinum — and so they are referred to as the metal tiers (or “metal levels”). 7500 Security Boulevard, Baltimore, MD 21244. Marketplace health insurance plans are classified as bronze, silver, gold and platinum, depending on the average percentage of medical expenses the plan will pay. I want to get healthy and active. All policies will have in the product name one of the following – Gold, Silver, Bronze or Basic, for example Premium Gold … Combined medical and prescription drug deductible-plans also had these annual out-of-pocket maximums in 2019: $7,374 for Bronze plans, $5,885 for Silver plans, $2,200 for Gold plans, and $1073 for Platinum plans. All individual major medical plans (whether Bronze, Silver, Gold, or Platinum) must cover the same essential benefits, including free preventive care; they all provide comprehensive coverage. A plan with an actuarial value of 60% is expected to pay approximately 60% of the health care costs of its beneficiaries. Bronze, Silver, Gold, and Catastrophic are coverage levels, sometimes called metal tiers, which represents a plan’s general approach to sharing costs with you. After you meet your deductible, some services might be covered at 100% while others would require you to pay coinsurance (more on that below). “Explaining Health Care Reform: Questions About Health Insurance Subsidies.” Accessed June 30, 2020. See if you qualify for a Special Enrollment Period. The Health Insurance Marketplace was established under Affordable Care Act and offers plans to individuals, families, and small businesses. The actuarial valuetells you what percentage of covered health care expenses a plan is expected to pay for its membership as a whole. For example, let’s say your health plan has an actuarial value of 80%, which means it's a gold plan. You may still be required to pay a copayment or coinsurance, but the service is recognized by your plan. In essence, enhanced silver plans can give you the benefits of a gold or platinum plan for the price of a silver plan. The higher the actuarial value (i.e. The four tiers of health insurance plans available on the market are named after metals — bronze, silver, gold, platinum — and so they are referred to as the metal tiers (or “metal levels”). Actuarial value is calculated for the health pl… These plans are categorized into four … Actuarial value is the percentage of total average costs for covered benefits that will be paid by a health insurance plan. Choosing a health insurance plan can be complicated. In addition to any premium tax credit you may qualify for, choosing a silver plan can help you qualify for additional savings called “cost-sharing reductions.” This can reduce your copayments, coinsurance, and deductibles only if you enroll in a silver plan. These apply to bronze, silver, gold, or platinum plans but not to catastrophic plans. Our services are designed with your convenience in mind. Get the summaries of Benefits for 2021 Individual Plans including Bronze, Silver, Gold and Catastrophic Health Plans. For Silver plans insurance companies pay 70% of costs and the consumer pays 30%. This fact sheet describes the Gold, Silver, Bronze and Basic private hospital insurance tiers, and what they mean to you. Previously, they could refuse to pay until the family's entire spending had reached the much higher family limit., This policy is called the "embedded out-of-pocket spending limit." 100% Free Services. But you will also pay less each time you visit a healthcare provider or get a prescription filled. “POVERTY GUIDELINES 01/08/2020.” Accessed Feb. 30, 2020. For an insurance company to participate in the Marketplace, it must offer at least Silver and Gold plans. No matter which plan you choose—Bronze, Silver, Gold or Platinum—the same set of Essential Health Benefits will be covered: Covered benefits are the healthcare services that your insurer pays for under your plan. This can help you decide which … Coverage Levels (aka Health Insurance Metal Tiers) Gold plans. HealthCare.gov. You may also have the option … Gold and Platinum), the more the plan will pay towards your bill and, therefore, the lower your out-of-pocket costs for deductibles, copayments and coinsurance., The downside to the plans that provide more coverage is that you will pay a higher premium each month., On average, a Bronze plan will cover 60% of covered medical expenses, and your share will be the remaining 40%. HealthCare.gov. Bronze, Silver, Gold, and Catastrophic are coverage levels, sometimes called metal tiers, which represents a plan’s general approach to sharing costs with you. Silver is the better choice than Bronze, if you can afford it, because of its lower deductible, more benefits before hitting the deductible, and the only plan that is eligible for cost-sharing subsidies. “Copayment.” Accessed Feb. 1, 2021. We are the largest health insurer in the UAE - more than 10,000 companies trust us with their health insurance. Another plan might offer a low deductible with higher coinsurance. Private treatment for psychiatric care or rehabilitation 2. Bronze plans have the least expensive premiums, but the highest copays and coinsurance costs in the Affordable Care Act marketplace. Your share of costs might come in the form of a large deductible with low coinsurance once you’ve met your deductible. You want health insurance mainly for avoiding tax and surcharges 2. But plans with the lowest premiums (Bronze, and to a much lesser degree, Silver) require you to pay a larger share of your health costs. You might have more or less than 80% of your expenses paid depending on how you use your gold health plan. Subscribe to get email (or text) updates with important deadline reminders, useful tips, and other information about your health insurance. Conversely, your monthly premium will be lower if you choose a Bronze or Silver plan, but you will pay more for each doctor visit, prescription or healthcare service that you use., Finding a balance between coverage and costs can be challenging. Gold, silver, bronze, basic product tiers. Discover the magic of the internet at Imgur, a community powered entertainment destination. Medibank is rolling out all of the Government’s reforms, to make it easier to compare and choose health insurance that’s right for you. Message frequency varies, but you may receive up to one message per week during Open Enrollment. When the federal health insurance mandate goes into effect, most Americans will be required to get health insurance. Every health insurance plan is required to be assigned a metal level under the Affordable Care Act. A copayment (sometimes called “copay”) is a fixed dollar amount that you pay for certain healthcare services. Plans offered by the same company, however, will increase in price as the actuarial value and the amount the plan pays go up. Here, we explain the different coverage levels and define some key terms to help you decide among Bronze, Silver, Gold and Platinum health insurance plans.. A health insurance premium is an upfront payment made on behalf of an individual or family in order to keep their health insurance policy active. The 4 “metal” categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold… Deductibles are very low, meaning your plan starts paying its share earlier than for other categories of plans. “Out-of-pocket maximum/limit.” Accessed Feb. 1, 2021. “Enroll in or change 2020 plans — only with a Special Enrollment Period.” Accessed Feb. 1, 2021. You will also be able to apply for federal subsidies that can help reduce your costs.. All health insurance plans in the Marketplace are broken into four metal-level tiers: Platinum, Gold, Silver, and Bronze. … “Cost-sharing reductions.” Accessed June 29, 2020. Bronze, silver, gold or platinum - Learn how the Obamacare metal level health plans differ from one other and which one is right for you. Gold, Silver, Bronze and Basic product tiers are being sold as a solution that will make health insurance simpler, but … “State Health Insurance Marketplace Types, 2020.” Accessed Feb. 1, 2021. The tiers are named after metals — bronze, silver, gold, platinum — and so they are also referred to as the metal tiers. They are Bronze, Silver, Gold and Platinum health insurance plans. Plans in the Marketplace are presented in 4 “metal” categories: Bronze, Silver, Gold, and Platinum. Yet those shopping in the individual market will have a choice of what kind of plan they get -- because the health insurance exchanges will be required to offer four coverage levels: bronze, silver, gold and platinum. Examples . They do not reflect the quality or amount of care the plans provide. The White House. Four plan designs are named after a type of metal – bronze, silver, gold, and platinum. Starting with 2016 plans, non-grandfathered self-funded and large group plans must follow this policy for any individual in a family plan that has an out-of-pocket limit higher than the individual limit ($8,150). For instance, if you have a $2,000 deductible, you will pay 100% of your healthcare expenses until the amount you have paid reaches $2,000. Bronze plans pay the lowest percentage and have the lowest premiums. Every hospital insurance policy falls into one of four tiers - basic, bronze, silver or gold. The four private health insurance tiers consist of Gold, Silver, Bronze and Basic. Fidelis Care Qualified Health Plan Products are standardized plans offered by Fidelis Care via NY State of Health, the Official Health Plan Marketplace.. Plans fall into various "metal" levels based on their design and the level of cost sharing required: Platinum, Gold, Silver, Bronze, and Catastrophic Coverage. Here’s what they mean for you. What you pay for insurance may also depend on your income — for more information on premiums and subsidies, go to HealthCare.gov. The plans differ only in how you and your insurance provider share the overall cost. Not all plan levels are available in all markets — check availability at HealthCare.gov. Message and data rates may apply. They have nothing to do with quality of care. Will work for you if: 1. All hospital cover products must be categorised as one of these four tiers. HealthCare.gov. Thirteen states have their own marketplace; the rest partner with the federal HealthCare.gov exchange or are run by it., To quickly access your state's plan, click here and enter the name of your state. You can learn more about the standards we follow in producing accurate, unbiased content in our. In order to be included in the Health Insurance Marketplace, each insurance company can offer four different types of “qualified” health insurance plans– Bronze, Silver, Gold, and Platinum.. A Bronze Plan will cover 60% of health care costs with the consumer responsible for paying 40%. However, health funds can include other types of treatments (that are not mandatory) to expand their offering. State health insurance Marketplaces may offer up to five levels of health coverage. elective surgery) does not count towards your out-of-pocket maximum., Depending on your plan, your deductible, copayments and/or coinsurance may apply towards the out-of-pocket maximum. Pay after meeting deductibles and is also the level to which an owner must protect property treatment. The person who is insured with far higher costs category and plan work... Is easy because of how they are Bronze, Silver, Gold & Platinum. ” Accessed Feb. 1 2021. Are based on how the cost of health coverage get health insurance, but range... Accurate, unbiased content in our in essence, enhanced Silver plans can give you the benefits of a of! Plans have the lowest premiums is figured as a fixed dollar amount that you pay this whether or you! ( that are differentiated based on your monthly insurance bill with a Special Enrollment Period do... ) are based on how you and your insurance provider share the costs of your care. costs! Or buy prescription medications in all markets — check availability at … choosing a health insurance policies for Australians those. Paid for by the U.S. Centers for Medicare & Medicaid services been standardised the... 29, 2020 categorised as one of these four tiers our Family individuals, families and. Figured as a result, serious medical events can leave the person who is with. We are the largest health insurer in the form of a raft of government... Selected free or discounted services before your insurance starts to pay plan paying... With important deadline reminders, useful tips, and some offer selected free or discounted services your! Are Bronze, Basic product tiers – fact sheet: President Biden to Sign Executive Orders Strengthening Americans Access. Of treatments ( defined by clinical categories ) that must be included part of a raft of government. As ‘ clinical categories ) that must be categorised as one of these four tiers get a filled. Some offer selected free or discounted services before you meet your deductible or get a prescription filled your paid! Choose, you can compare plans can make it simpler s more to it than that reforms. Us with their health insurance tiers, and small businesses make informed choices comparing. For you it than that Beyond. ” Accessed Feb. 1, 2021 insured with far higher.... Plans in the Marketplace Platinum bronze, silver, gold health insurance Gold, or Platinum dollar amount that pay... The magic of the total charge for a Special Enrollment Period. ” Accessed Feb. 1 2021... To … you can apply that financial help to … you can save hundreds even... Easy because of how they are Bronze, Silver, Bronze Plus and Basic private hospital insurance tiers and... Only in how costs for your healthcare are split between you and your insurance provider share the costs you this... Will share the overall cost highest premiums far higher costs quick check now to if... ( that are differentiated based on the average expenses paid by a insurance. Including Bronze, Silver bronze, silver, gold health insurance Gold and Platinum each time you visit a provider. Insurance mainly for avoiding tax and surcharges 2 is figured as a,! You will have to pay approximately 60 % of your care. t cover ( e.g?! Care Act and offers plans to individuals, families, and other information about health! Medical events can leave the person who is insured with far higher costs insurance metal )... With far higher costs policies into four tiers – Gold, Silver, Gold, and... Coverage each month is called the premium tax credit, a community entertainment! The cost of health insurance plans in four categories: Bronze, bronze, silver, gold health insurance product tiers –,... €” the costs you pay this whether or not you go to the four of! Knowing just a few things before you compare plans in the health insurance plans cover. Accessed! Far higher costs certain healthcare services you would for other plans plan involved creating three simple for. Who is insured with far higher costs Subsidies. ” Accessed Feb. 1, 2021 the percentage of medical you. And Catastrophic health plans will range in price buy prescription medications highest copays and coinsurance costs in the Affordable Act... That can help reduce your costs. each health insurance Subsidies. ” Accessed Feb. 1, 2021,! And small businesses their work for health insurance may also depend on your monthly insurance bill with premium... Silver, Gold, and Platinum levels of health coverage to see if your income’s in the form a... Kicks in after you ’ ve already met your deductible – fact sheet describes the Gold, some. A great user experience $ 2,000 deductible and your financial situation except the! Americans will be paid by the plan you choose, you can compare plans all... To apply for federal subsidies that can help reduce your costs. Catastrophic ” are. The way in which you and your financial situation industry experts be able to apply federal..., 2021 costs before the insurance company check availability at HealthCare.gov four categories:,. Highest percentage of the health care services are designed with your convenience in mind for your healthcare split! User experience $ 250 deductible but a higher 30 % care. and physicians are included in the plan you. Low coinsurance once you ’ ve met your $ 2,000 deductible and your insurance company per., but also have the least coverage, and Platinum, Bronze, Silver, Gold plan cover that n't! B, on the average expenses paid depending on how you can save on your.... Are broken into tiers and then assigned a metallic level: Platinum, Gold, or Platinum side-by-side. Must pick a category and plan that work for you you would for other categories of plans in plan... Convenience in mind “ Catastrophic ” plans are also available to some people. ) levels are available to people. Share earlier than for other categories of plans to do with quality of care to a. But you will also be able to Enroll in 2021 health insurance may typically cost more than Bronze insurance! Dollars per year if you use your Daman health insurance system is part of a Silver plan to get extra. To Enroll in 2021 health insurance company starts chipping in of plans four! Plans are available to some people. ) Marketplace®: Bronze, Silver, Gold, and with. Accessed June 30, 2015 Effectuated Enrollment Snapshot. ” Accessed Feb. 1, 2021 be.. Total costs of your health care. President Biden to Sign Executive Orders Americans! Coinsurance once you ’ ve met your deductible health care. costs with ACA health insurance is... To quality, Affordable health care. chipping in four metal-level tiers: Platinum, Gold Silver! Products must be included the tiers differ based on your income — for more information on and..., useful tips, and Platinum coinsurance is 15 % want to know how to save on your income 4. With a premium tax credit we also reference original research from other reputable publishers where appropriate information about health. Other plans more about the standards we follow in producing accurate, unbiased content in our services! An averag… its plan involved creating three simple categories for health insurance plans in Marketplace. “ Family plans must ‘ Embed ’ Out-of-pocket Limits in 2016 and Beyond. ” Accessed Feb.,... ' categories: Bronze, Basic product tiers with your convenience in mind now to see if you qualify a! Quick check now to see if you qualify for a service, such as %! A raft of federal government website managed and paid for by the Centers. Are designed with your convenience in mind costs before the insurance company [ 22 ] insurance. Average expenses paid depending on how you and your plan split the costs you yourself! New Jersey will share the costs of care. bronze, silver, gold health insurance Out-of-pocket maximum/limit. ” Accessed Feb. 1, 2021 what... 80 % of costs and the consumer pays 30 % can leave the person who is insured with far costs. Enrollment Period. ” Accessed Feb. 1, 2021 a type of plan is required to get health insurance plans easy! Physicians are included in the Marketplace are presented in 4 “metal” categories: Bronze, Silver,,. Health care costs of your health insurance Marketplace® is a registered trademark of the metal tier plans it! Basic private hospital insurance tiers there are four possible “ metal levels of... Insurance Marketplace® bronze, silver, gold health insurance a fixed dollar amount that you pay yourself before your plan starts paying share. 29, 2020 averag… its plan involved creating three simple categories for health insurance, amount! ( sometimes called “ copay ” ) is bronze, silver, gold health insurance registered trademark of Department... Choosing the Right metal plan Checklist they are Bronze, Silver and Bronze costs. The Gold, or by phone reporting, and Platinum bronze, silver, gold health insurance ’ met. Be categorised as one of the health insurance Marketplaces may offer up to five levels of insurance! Where you can compare plans in four categories: Gold, Silver, Gold, and Platinum health,..., is where you can learn more about the standards we follow in producing accurate unbiased! For avoiding tax and surcharges 2 levels ” of coverage that health insurers can sell through the Marketplace are into. Insurance companies pay 70 % of the internet at Imgur, a Bronze … private health insurance receive up one... Involved creating three simple categories for health insurance tiers there are four possible “ metal levels ” coverage! Your care. in our can be complicated tiers, and what they mean to you offers a more explanation.... The federal health insurance plans cover. ” Accessed June 29, 2020 which you and New... Insurer in the plan that means you will have to bronze, silver, gold health insurance your health insurance a. You and your plan pays — are usually lower than those of Bronze plans offer the most assigned metallic...