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Carefirst explains the metal level plans


Under the ACA plans (except high-deductible Catastrophic plans) must also fit into one of four-Metal Levels. Bronze, Silver, Gold & Platinum. These plans cover the same core benefits, but plans at each level have different monthly premiums and varying out-of-pocket costs. Also for people who qualify, the ACA has created subsidies to help cover the cost of plans.

Different Plans have different monthly premiums and out-of-pocket costs for you.

Metal Level
What the Health Plan Pays
What You Pay
Platinum 90% 10%
Gold 80% 20%
Silver 70% 30%
Bronze 60% 40%
Your monthly premium rate is a separate cost and is not included in these calculations.

Insurance companies used to have a nearly infinite number of combinations of premiums and how much of your heathcare costs you would pay. Being forced to fit into specifically defined Metal Levels means less flexibility when it comes to pricing. You’re likely to end up paying a higher premium to keep your out-of-pocket costs down, or you’ll end up paying more when you receive care in exchange for a lower monthly premium.