Bronze Plan
Low Premium — High Deductible
The Bronze plan covers approximately 60% of medical costs; you cover the remaining 40% when you use services. Premiums are the lowest of all tiers, but the deductible is typically $4,000–$7,000 a year.
Ideal for young, healthy people who rarely visit the doctor and want protection against catastrophic emergencies without paying much each month.
→ Ideal for:
Healthy young adults (18–35), lower-to-middle incomes, families looking for the lowest possible premium with infrequent medical needs.
Most Popular
Silver Plan
The tier where the best subsidies are concentrated
Silver is the only tier that may qualify for Cost-Sharing Reductions (CSR) — an additional benefit that lowers your deductible, copay, and maximum out-of-pocket cost if your income falls between 100% and 250% of the federal poverty level.
It covers around 70% of medical costs. With subsidies, many families pay $0–$80/month and get coverage comparable to a Gold plan. It's the smartest option for most Hispanic families.
→ Ideal for:
Families with moderate medical needs, people with chronic conditions, independent workers, and any family that may qualify for federal subsidies.
Gold Plan
High Premium — Low Deductible
Gold covers 80% of medical costs. You pay a higher monthly premium, but when you use your insurance, out-of-pocket costs are lower and more predictable. Deductibles are typically $500–$1,500.
If your family visits the doctor frequently, takes multiple medications, or has regular specialist appointments, Gold can be more cost-effective long-term than Silver or Bronze.
→ Ideal for:
Large families, people with chronic illnesses, pregnant women, or anyone who knows they'll use their insurance regularly throughout the year.
Platinum Plan
Maximum Coverage — Minimum Cost When Used
ⓘ Not available in every state
Platinum covers 90% of medical costs. It's the highest coverage tier available in the ACA Marketplace. Premiums are the highest, but the deductible can be $0 and copays are minimal.
If you have serious medical conditions, need scheduled surgeries, or your family uses the healthcare system intensively, Platinum offers the greatest financial peace of mind.
→ Ideal for:
People with serious or multiple chronic conditions, those anticipating high medical expenses, or families who prefer fixed, predictable costs above all else.
