Metal Tiers
Insurance Glossary
The four categories that sort Affordable Care Act health plans by how costs are split between the plan and the member: Bronze, Silver, Gold and Platinum. They correspond to actuarial values of roughly 60, 70, 80 and 90 percent, which is the share of total covered costs the plan pays on average across everyone enrolled rather than for any one person. A higher tier means a higher premium and lower costs at the point of care, the tier says nothing about network or care quality, and cost-sharing reductions are available only on Silver plans.
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