ACA Health Insurance Plan Finder 2026

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Bronze 0

Silver 0

Gold 0

Platinum 0

What the metal tiers mean

The metal is how you and the plan split the cost of care, not the quality of care. Which doctors and hospitals you can use depends on the plan’s network, not its tier.

Bronzeplan pays about 60%

Lowest premium, highest deductible. Best if you’re healthy and mainly want protection from a big bill. From 2026, Bronze plans can be paired with a Health Savings Account.

Silverplan pays about 70%

Middle premium and deductible. Your tax credit is based on the second-cheapest Silver plan, and only Silver plans get extra cost-sharing savings, which cut the deductible when income is under 250% of the poverty line.

Goldplan pays about 80%

Higher premium, lower deductible and copays. Often the better buy if you see doctors regularly or take ongoing medication.

Platinumplan pays about 90%

Highest premium, lowest cost when you get care. Not sold in every county.

The percentages are averages across everyone on a plan, not what you’ll pay. Every tier covers the same essential health benefits, and every plan is capped at $12,000 out of pocket for one person in 2027. Compare the premium plus what you’d likely spend in a year, not the premium alone. Full guide to the tiers

ACA Plan Finder

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