| Plan Level | Considered a mid-level plan in the Affordable | Considered a higher-tier plan in the Affordable |
| Care Act (ACA) marketplace. | Care Act (ACA) marketplace. |
| Premium Costs | Typically has lower monthly premium costs | Generally comes with higher monthly premium |
| compared to gold plans. | costs compared to silver plans. |
| Deductibles | May have moderate deductibles, which are | Usually comes with lower deductibles, making |
| the amount you pay for covered healthcare | the upfront costs for covered healthcare |
| services before the insurance plan kicks in. | services lower. |
| Coinsurance and Copayments | Requires higher coinsurance or copayments | Typically has lower coinsurance or copayment |
| for covered services compared to gold plans. | requirements for covered services. |
| Actuarial Value | Has an actuarial value of around 70%, which | Has a higher actuarial value, often around 80% |
| means it covers about 70% of the average | or more, meaning it covers a higher |
| healthcare costs for covered individuals. | percentage of average healthcare costs. |
| Coverage and Benefits | Provides comprehensive coverage for a wide | Offers more extensive coverage and benefits, |
| range of healthcare services, including | including lower out-of-pocket costs for |
| essential benefits required by the ACA. | covered services. |
| Out-of-Pocket Costs | Tends to have higher out-of-pocket costs | Generally, lower out-of-pocket costs for |
| for covered services compared to gold plans. | covered services, making it more cost- |
| | effective for individuals with frequent |
| | healthcare needs. |
| Ideal For | May be a good choice for individuals or | Suitable for individuals or families who |
| families who want a balance between | are willing to pay higher premiums for |
| premium costs and out-of-pocket expenses. | comprehensive coverage with lower upfront |
| | costs when accessing healthcare services |
