Individual & Family

Bronze — Lowest premium, highest deductible. ~60% of healthcare costs covered after deductible. Best for healthy people who rarely see a doctor.

Silver — Mid-tier premium, mid-tier deductible. ~70% covered. The metal tier most subsidies target — if you qualify for a Cost-Sharing Reduction, Silver becomes the best deal.

Gold — Higher premium, lower deductible. ~80% covered. Better fit if you have regular prescriptions or expect specialist visits.

Platinum — Highest premium, lowest deductible. ~90% covered. Worth it only if you have a chronic condition that drives major recurring costs.

For families, we look at pediatric coverage (always included in ACA plans), out-of-pocket maximums per family member vs. per family, and whether your kids' pediatrician is in-network across the plans you're comparing.

If your household income is between 100-400% of the Federal Poverty Level, you almost certainly qualify for a Premium Tax Credit. We'll calculate exactly what you'll pay after subsidies.