Metal Tiers

A health insurance plan fits into one of four metal tiers or coverage levels: Bronze, Silver, Gold, and Platinum and are intended to help you narrow your options based on your budget and health need. The levels are based on how you and your insurance company will split costs for that plan and have nothing to do with quality of care. The lowest level, Bronze, will typically have the lowest premiums but the insurance company will pay the lowest percentage of costs when you receive care (60%, for example). The higher levels, Gold and Platinum, will typically have higher premiums, but the insurance company will pay a higher percentage of the costs when you receive care (80%, for example).

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