What do Bronze, Silver, Gold, and Platinum plans cover?
All ACA metal-level plans cover the same set of essential health benefits, but Bronze pays about 60%, Silver about 70%, Gold about 80%, and Platinum about 90% of average total costs, with the remainder paid by the enrollee through deductibles, copays, and coinsurance, according to HealthCare.gov (2026).
More on this topic: health insurance marketplace
What the government has said, on the record
Here's how a federal official described it, on the record:
“Marketplace plans are put into 4 categories (or "metal levels"): Bronze, Silver, Gold, and Platinum.”
— Centers for Medicare & Medicaid Services (HealthCare.gov), Centers for Medicare & Medicaid Services (U.S. Department of Health & Human Services), HealthCare.gov, The health plan categories: Bronze, Silver, Gold & Platinum (source)
Editor's note: From official HealthCare.gov (CMS) consumer guidance. Confirm current details at HealthCare.gov.
Who said this
Centers for Medicare & Medicaid Services (HealthCare.gov) · Centers for Medicare & Medicaid Services (U.S. Department of Health & Human Services)
Also asked as
- Bronze vs Silver vs Gold ACA
- What are ACA metal tiers?
Sources
Last verified: 2026-07-19