ACA Health Plans Explained
Understanding the four metal categories of ACA marketplace plans and how they work.
✓ Bronze, Silver, Gold & Platinum
✓ Compare Coverage Levels
✓ Find Your Perfect Fit
Choose Your Coverage Level
All ACA plans cover the same essential health benefits. The difference is how much you pay monthly versus when you get care.
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Bronze Plans
$100 - $250/mo
Deductible
Higher
Coverage
60% coverage
- Lowest monthly premiums
- Higher deductibles and out-of-pocket costs
- Good for healthy individuals
- Catastrophic illness protection
- Emergency room coverage
Most Popular
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Silver Plans
$200 - $400/mo
Deductible
Moderate
Coverage
70% coverage
- Moderate monthly premiums
- Moderate deductibles
- Most popular choice
- Cost-sharing reduction eligible
- Balance of cost and coverage
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Gold Plans
$300 - $550/mo
Deductible
Lower
Coverage
80% coverage
- Higher monthly premiums
- Lower deductibles
- Lower out-of-pocket costs
- Ideal for frequent medical visits
- Prescription drug coverage included
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Platinum Plans
$400 - $700+/mo
Deductible
Minimal
Coverage
90% coverage
- Highest monthly premiums
- Minimal or no deductible
- Lowest out-of-pocket maximum
- Comprehensive coverage
- Lowest copays and coinsurance
Which Plan is Right for You?
Choose Bronze or Silver if:
- You're generally healthy and rarely visit the doctor
- You want to keep monthly premiums low
- You can afford higher out-of-pocket costs if needed
- You want protection from catastrophic medical bills
Choose Gold or Platinum if:
- You visit the doctor frequently or have ongoing health needs
- You take regular prescription medications
- You prefer predictable healthcare costs
- You want lower copays and deductibles
Ready to Find Your Perfect Plan?
Let our experts help you compare plans and find the best coverage for your needs and budget.
Get Your Free Quote