In the ACA-regulated individual and small-group markets, plans are grouped into metal tiers by “actuarial value”, the average share of covered costs the plan pays: Bronze ~60%, Silver ~70%, Gold ~80%, Platinum ~90%. A lower tier means lower premiums but higher cost-sharing when you use care.
Metal Tiers
ACA plans are grouped into Bronze, Silver, Gold, and Platinum tiers by actuarial value. These FAQs explain what the metal tiers mean and how to compare them.