Find Your Path to Affordable Coverage

Balanced premiums and costs — plus extra savings. Silver is the only tier that unlocks Cost-Sharing Reductions, which quietly lower your deductible and copays if your household income qualifies. That makes it the best value for most people.

• ~70% of costs covered by the plan
• Only tier eligible for Cost-Sharing Reductions (CSR)
• Lower deductibles if your income qualifies
• Best overall value for most households
• Full preventive care at no cost

Higher premium, much lower costs when you need care. Gold plans front-load your spending into a predictable monthly premium so that doctor visits, prescriptions and procedures cost far less at the point of care.

• ~80% of costs covered by the plan
• Low deductibles and copays
• Great for people with regular prescriptions or doctor visits
• Predictable, easy-to-budget costs
• Full preventive care at no cost

Highest premium, lowest out-of-pocket. Platinum plans deliver maximum financial protection — ideal if you're managing a chronic condition, expecting a baby, or planning a procedure this year.

• ~90% of costs covered by the plan
• Lowest deductibles available
• Best for people managing chronic conditions or expecting high medical use
• Maximum financial protection
• Full preventive care at no cost