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INDIVIDUAL & FAMILY

Gold, Silver & Bronze Metallic Levels

Metallic levels are tiers of Affordable Care Act (ACA) health insurance plans. Each level determines how your costs are split with BCBSOK. Individual & family plans have options for Gold, Silver and Bronze. 

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Overview

What are Metallic Level Plans?

Metallic levels are health plan categories that show how you and BCBSOK split healthcare costs. Use this guide to learn:

  • How the Gold, Silver and Bronze level plans differ
  • Where you can go to understand more about each level
  • How you can find out which level might be best for you
  • Resources that could help lower your cost of health care
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How do Gold, Silver, and Bronze Metal Level Plans Work?

Metallic levels are used to group ACA health plans and show how you and BCBSOK share healthcare costs. Plan types like HMO, PPO and POS (Point of Service) show how you get care and which doctors and hospitals you can use.

When you're shopping for a health insurance plan, you'll find different plans with different levels. For example, you could see a MyBlue℠ HMO plan offered at Gold, Silver and Bronze levels. The metallic levels are offered to help manage plan and care costs, like premiums, deductible, copay and coinsurance.

Each plan level offers a different mix of monthly costs and coverage. How much you pay depends on the plan you choose, where you live, your household size, income and any financial help you qualify for.

With BCBSOK's 2027 health plans, you can expect:

 
 Deductibles starting at:Copays starting at:Coinsurance starting at:Out-of-Pocket Maximums starting at:Availible Plan Types: 
Gold Level$700$020%$7500HMO, PPO 
Silver Level$1000$040%$7500HMO, PPO 
Bronze Level$5000$450%$10150HMO, PPO  
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Bronze Level

Bronze Metal Level Plan:
Lower Your Monthly Costs

Maybe you don't take any prescription medicine, or you typically only visit the doctor once or twice a year. If you're not planning on needing much care, Bronze level plan premiums could offer your most affordable health care option when it comes to monthly premium payments. You can expect BCBSOK to cover roughly 60% of health care bills while you cover 40%.

Understand Bronze Level
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Silver Level

Silver Metal Level Plan:
Balance Plan and Coverage Costs

With a balance between your monthly premium amount and covered health care costs, Silver level plans offer a middle-of-the-road health insurance plan. You can expect BCBSOK to cover about 70% of health care bills while you cover 30%. Don't break the bank when it comes to your monthly bill or doctor bills.

Understand Silver Level
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Gold Level

Gold Metal Level Plan:
Save When You Need Care

Prescriptions, specialist appointments, emergency care — by paying a higher monthly premium, Gold plans will cover more of your bill when you need health care. You can expect BCBSOK to cover roughly 80% of health care bills while you cover 20%.

Understand Gold Level

How do I know if a Gold, Silver or Bronze plan is right for me?

The metallic level that's right for you depends on your budget and your expected health care needs. Compare how each plan stacks up in terms of monthly costs, costs for care and when each plan might be right for you:

 

Bronze Level

Silver Level

Gold Level

Premium Costs

LowestMiddle-of-the-roadHighest

Your Cost for Care

HighestMiddle-of-the-roadLowest

Might be best if you:

Use health care less often and want a lower monthly premium.Visit the doctor once or twice a year and want a balance between monthly costs and care costs.Have a lot of health care concerns like a chronic condition, or are planning on growing your family.

Save on Care

Lowering Your Cost of Care

Staying covered is important. Even if your plan costs change in 2027, you may still have ways to make your health care more affordable. Learn how using in-network care, taking advantage of preventive care and opting in to wellness programs could help you save.

Learn Ways to Save

FAQs: Health Insurance Metallic Levels

Learn more about the health insurance metallic levels and how you can choose the one that fits your needs.