Affordable Care Act (ACA) Plan Comparison

Plan	Insurer Pays	You Pay	Monthly Premium	Out-of-Pocket Costs	Best For
Bronze	60%	40%	Lowest	Highest	Emergencies, low medical usage
Silver	70%	30%	Moderate	Moderate	Most balanced option; CSR available
Gold	80%	20%	High	Low	Frequent care users; predictable costs
Platinum	90%	10%	Highest	Lowest	Chronic conditions; high, ongoing care needs