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Bronze, Silver, Gold and Platinum plans compared

All four metal tiers cover essential health benefits. The main difference is how premiums and covered medical costs are shared between you and the plan.

Reviewed 2026-07-30 Reviewed by our licensed insurance experts.
01 — Four metal tiers

How the plan levels generally differ

Bronze

Bronze plans

cover 60 percent of health care costs, while you pay 40 percent.

Silver

Silver plans

cover 70 percent, while you pay 30 percent.

Gold

Gold plans

cover 80 percent, while you pay 20 percent.

Platinum

Platinum plans

cover 90 percent, while you pay 10 percent.

02 — Cost comparison

Four items to compare in every tier

03 — Before you choose

Match the tier to your real medical use

Related resources

01

Enrollment timing

Marketplace health plans and Medicare use different enrollment calendars. Knowing which period applies helps you avoid a coverage gap or a late-enrollment penalty.

 02

Choosing a plan

All four metal tiers cover essential health benefits. The main difference is how premiums and covered medical costs are shared between you and the plan.

 03

Small-business benefits

A well-designed group health plan can strengthen employee benefits, support recruiting and retention, and create potential tax advantages for an eligible business.