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Individual or Family Health Insurance Plans have 4 Levels to choose from

There are mainly 4 categories that divide Health Insurance Plans in the marketplace. Categories are bronze, silver, then gold and platinum. The levels are an indicator of the amount of cost sharing they require. This cost sharing would consist of deductibles, co-insurance and copays that must be paid to get to your out of pocket “maximum” limits.

So bronze plans would have the highest cost sharing like deductibles so your spending more for your health care out of pocket. So silver and gold would be less and platinum health plans would have the lowest cost for deductibles, copays, and other out of pocket cost.

Usually the higher the amount paid in premiums the lower it is for your cost sharing.

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