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Health care reform, also known as the Affordable Care Act (ACA), established metal levels to
indicate the value of your insurance coverage: gold, silver and bronze. All plans cover the same
essential health benefits, but your cost share is different.
Bronze:
This level has the lowest monthly premium but also the highest out-
of-pocket costs. Beneficial for people who prefer lower monthly premiums and
don’t expect to need a lot of medical services.
There are also Platinum and Catastrophic plans but these are not sold by Alliant; thus not listed.
Silver:
This level has slightly higher monthly premiums than bronze but also
richer benefits. Beneficial for people who want to keep monthly premiums and
out-of-pocket costs balanced.
Gold:
Gold has a higher level of benefits than silver but also a higher monthly
premium. Beneficial for people who receive medical services regularly and who
are okay with a higher monthly premium in order to have more costs covered.
No matter where you purchase your plan, it will be categorized using metal levels.
Find out what type of plan is right for you.
Choose the right plan for you.
G
S
B
In addition to your personal situation and values,
you’ll want to consider if you are eligible to receive
financial assistance, which can be delivered in the
form of a tax credit or cost-sharing subsidy.