Table 5.

Available Health Plans

Plan type	Cost share/premiums	Comments
Bronze	40%/low	Typically offer the lowest premiums but the least coverage of the four metallic plan levels. Good for people who do not plan to use medical services
Silver	30%/medium–low	Good for individuals and families who use a few basic health services but don't have any serious health problems
Gold	20%/medium	Good for families that don't want to worry about healthcare costs stopping them from getting the care they need
Platinum	10%/high	Good for anyone who wants “the best coverage” and also for those who are sick or who have dependents who are likely to use costly health services
Catastrophic	0%/low, high-deductible	Only for <30 years of age or who cannot find coverage for <8% of their income

Adapted from Adleman.⁵⁷