Call for a Quote:


Learn What The Health Insurance Metal Levels Mean

Go back up

Learn What The Health Insurance Metal Levels Mean

Colleen McGuire

Updated: March 21, 2017    Published: November 20, 2015

Diamonds might be a girl’s best friend, but precious metals are something nearly anyone can love, which is why the federal marketplace created “metal levels” to help consumers better understand what they are buying when it comes to a health insurance purchase.

A rule of thumb to understand costs depends on the metal level. A health insurance plan will pay 60%-70%-80% or 90% of total health insurance costs depending on the mineral plan you buy. Bronze isn’t as valuable of a metal as Gold or Platinum, so if you have a Bronze metal level plan, you pay 40% of the costs for healthcare, and your insurance company pays 60%. The more you spend on your precious metal level healthcare plan, the more your health insurance company will cover. If you are healthy and don’t plan to use your health insurance above and beyond preventive services, a cheaper metal plan will be the most affordable.

Bronze Plan

The least expensive health insurance plan on the market, Bronze plans are best for healthy individuals who only use preventive services, and want catastrophic coverage should the unexpected happen.
Bronze Plan Health Insurance

Silver Plan

A moderate priced insurance plan, Silver plans have a range of deductibles and some offer prescription drug coverage that can include a separate deductible and copay. Silver plans can be an excellent option for individuals who use medical services once or twice a year, or for those who are healthy but need prescription drug coverage to help lower their out-of-pocket expenses.
Silver Level Health Insurnace

Gold Plan

Gold metal level plans are the next step up for individuals who might suffer from a condition like diabetes, and use medical services throughout the year and take prescription drugs. While Gold plans are the second most expensive plan level available in the marketplace, an individual can save on out-of-pocket expenses overall by buying a plan that pays for approximately 80% of their healthcare costs.
Gold Metal Level Health Insurance

Platinum Plan

The most expensive metal level with the best overall coverage, Platinum plans are an excellent choice for individuals with multiple chronic conditions. If you visit several doctors each year, anticipate at least one emergency room visit and a lengthier in-patient hospital stay during the course of 12 months, and take multiple prescriptions drugs, Platinum plans offer the most comprehensive coverage.
Platinum Metal Health Insurance

The views expressed here are those of the author and do not necessarily represent or reflect the views of Healthcare, Inc. and

Search and compare health insurance plans on

Search and compare health insurance plans on

Leave your comments

Your email address will not be published. Your answer will be public once it's approved by our team. By submiting a comment, you agree to our Terms of Use and Privacy Policy.

We're on a mission to help our users become better healthcare consumers

Recent Health Insurance Articles

Churches Wipe Out Millions In Medical Debt For Others

Updated: June 6, 2019

The leaders of Pathway Church on the outskirts of Wichita, Kan., had no clue that …

What Type of Health Insurance Would Game of Thrones Characters Have?

Updated: June 28, 2019

All but the mightiest among us need proper health insurance, since you never know when …

Is Yoga Covered by Your Health Insurance?

Updated: March 21, 2019

There are a lot of things that come to mind when you think of yoga …