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Health plan categories

Levels of plans in the Health Insurance Marketplaceยฎ: Bronze, Silver, Gold, and Platinum. Categories (sometimes called โ€œmetal levelsโ€) are based on how you and your insurance plan split costs. Categories have nothing to do with quality of care. (โ€œCatastrophicโ€ plans are available to some people.)
For each plan category, youโ€™ll pay a different percentage of total yearly costs of your care, and your insurance company will pay the rest. Total costs include
,
, and out-of-pocket costs like
and
.
Each category may include several types of plans and provider networks, like health maintenance organizations (HMOs) and preferred provider organizations (PPOs).