What are Health Insurance Metal Tiers?

Health insurance metal tiers are categories used in the Affordable Care Act marketplace to classify plans based on their actuarial value - the percentage of healthcare costs the plan covers. The tiers include Bronze (covers 60% of costs), Silver (70%), Gold (80%), and Platinum (90%), with consumers responsible for the remaining percentage through deductibles, copayments, and coinsurance. Higher tier plans have higher premiums but lower out-of-pocket costs when you receive care.

Why metal tiers matter

• Simplifies plan comparison: Makes it easier to understand cost-sharing differences between plans
• Matches coverage to needs: Helps you choose based on expected healthcare usage and budget
• Standardizes benefits: All plans within a tier provide similar overall value despite varying specific benefits

How Solace can help

A Solace advocate can help you evaluate which metal tier best fits your healthcare needs and budget, calculate potential total costs including premiums and out-of-pocket expenses, and understand how cost-sharing reductions affect Silver plan values for eligible individuals.