Which metal level is described as having the highest premium but the lowest cost-sharing?

Which metal level is described as having the highest premium but the lowest cost-sharing?

• A. Bronze
• B. Silver
• C. Gold
• D. Platinum

Answer: (D)

In ACA marketplace metal tiers, you trade monthly premium for how much the plan pays when you need care. Platinum plans have the highest monthly premium but the lowest cost-sharing, meaning you pay less out-of-pocket when you use services. They typically cover around 90% of medical costs, leaving you with smaller deductibles and copays. Bronze plans, by contrast, have the lowest premiums but the highest cost-sharing. Silver and Gold fall in between, with premiums higher than Bronze but lower than Platinum, and cost-sharing that’s higher than Platinum but lower than Bronze. So the description “highest premium but lowest cost-sharing” points to the Platinum option.

In ACA marketplace metal tiers, you trade monthly premium for how much the plan pays when you need care. Platinum plans have the highest monthly premium but the lowest cost-sharing, meaning you pay less out-of-pocket when you use services. They typically cover around 90% of medical costs, leaving you with smaller deductibles and copays.

Bronze plans, by contrast, have the lowest premiums but the highest cost-sharing. Silver and Gold fall in between, with premiums higher than Bronze but lower than Platinum, and cost-sharing that’s higher than Platinum but lower than Bronze.

So the description “highest premium but lowest cost-sharing” points to the Platinum option.