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Let’s dig even deeper into ACA coverage.


Now that we’ve touched on Affordable Care Act (ACA) plans, let’s get into the specifics. You’ll learn about what ACA plans cover, how to get plan savings, what metal level is for you and more. Ready? Let’s get started.


Quick guide to metal tiers and costs


All ACA plans are assigned a metal tier: Platinum*, Gold, Silver or Bronze. You might also hear them called “metal levels.”

At first, you might think that Gold is better than Silver. Or that Silver is better than Bronze. In fact, metal tiers don’t have anything to do with the quality of care you’ll receive. All ACA plans cover those 10 essential benefits categories. What’s different across metal levels is how the plan splits costs with you through premiums, deductibles, coinsurance and copays.

In general, the higher a plan’s metal level, the higher your premium and the lower your out-of-pocket costs. The lower a plan’s metal level, the lower your premium and the higher your out-of-pocket costs.


*We don’t offer Platinum plans … yet. You can check out the great features of our Gold, Silver and Bronze plans on

Legal notices

Health plans are offered or underwritten or administered by Coventry Health Plan of Florida, Inc., Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna is part of the CVS Health family of companies. 

Health benefits and health insurance plans contain exclusions and limitations.