Plans are organized
by metal tier so that you can determine which best fits your coverage needs and budget.
To make comparing medical insurance plans easier, policies are grouped
into metal tiers: bronze, silver, gold or platinum.
Base your choice
of metal tier on a balance of how much you're willing to pay in premiums with how much coverage you need.
Some people get confused because they
think metal tiers describe the quality of the plan or the quality of the service they'll receive, which isn't true.
Each of the articles below includes sections on who should consider and who should avoid that
particular metal tier.
Your eligibility for government subsidies may influence your choice
of metal tiers.
This is my absolute favorite
metal tiered tray and it's perfect for displaying favorite kitchen essentials.
This is my absolute
favorite metal tiered tray and it's perfect for displaying favorite kitchen essentials.
If you are healthy and do not have any major conditions, «Catastrophic» and «Bronze»
Metal tier rates are often lower than traditional group coverage for individuals and families.
The
wire metal tiered storage baskets by Golden Boys & Me is a neat touch particularly for a guest bathroom where you might not have much storage of counter space.
UnitedHealthcare plans don't rank as highly as other carriers (like Kaiser) in terms of customer satisfaction scores, but in many markets their plans are among the best in terms of network
by metal tier.
Health insurance plans are split
into metal tiers, with platinum being the most robust (and most expensive) and bronze being the cheapest, most basic tier.
(If you're confused by all this metallargy, we've got an explainer on Obamacare's
metal tiers here.)
More than 70 different plans are available in the four
Metal tiers (Platinum, Gold, Silver and Bronze).
For example, because they don't have to offer a plan at
every metal tier, insurers can offer just one type of health insurance plan.
Additionally, any insurer that wants to participate in a government - run exchange must offer a plan at
every metal tier (which we'll discuss in more detail later).
The metal tiers — bronze, silver, gold and platinum — help shoppers understand the cost - sharing split between them and the insurance company and compare plans apples - to - apples.
For example, state and federal exchanges require participating insurers provide a plan at
every metal tier.
Government exchanges can enforce additional rules for on - exchange plans (for example, the requirement that insurance companies who participate in the exchange offer a plan at
every metal tier).
PolicyGenius offers health insurance plans at
every metal tier: Bronze, Silver, Gold, Platinum, and catastrophic (if you qualify).
Here's how they breakdown by network type and
metal tier.
Metal tiers are a quick way to categorize plans based on what that split is.
Additionally, health insurance companies providing plans on Healthcare.gov must have a plan available for each of the four
metal tiers.
Generally, UHC plans are among the more expensive offerings at a given benefit level (i.e.,
metal tier), although affordable options are also available.
Here's the percentage of your health care services that you can expect to pay broken down by
metal tiers:
The «
metal tiers» for health insurance plans are categories that represent how the cost of health care services are split between you and your health insurance company.
In addition to easily seeing which plans meet your priorities, you can sort them by carrier, plan type, and
metal tier, and even bring up side - by - side comparisons to see differences at a glance.
If you're choosing a health plan, once you've determined the plan's
metal tier, make sure you're not on the list of people who should avoid that tier.
Metal tiers are based on average medical expenses for a population, so your actual portion of costs may be different than the percentages below.
You can think of
the metal tiers similarly to how you think of the actual metals.
While all plans fall into
the metal tiers (Bronze, Silver, Gold & Platinum) their monthly rates and prescription coverage can vary.
In most states, spending 5 percent of your income on health insurance premiums will also land you squarely within range for a silver plan - which is the mid-level plan in the «
metal tier» system of health plans (platinum, gold, silver, bronze).
The metal tiered tray with the pumpkins is from Home Goods.