What is a bronze plan?
Asked by: Kelvin Murphy III | Last update: January 11, 2026Score: 4.4/5 (56 votes)
What is covered under a Bronze plan?
The standard Bronze Plan gives primary doctor, mental health therapy, labs, urgent care, and specialist visits at a flat copay ranging from $40-$95. Some services have a limit at the discounted rate.
Are Bronze plans any good?
Bronze can be the best choice especially if you have good health and need only a modest amount of care. Depending on plan particulars if you were to have to pay the full deductible due to a major event it would cost you no more than being on the silver plan with its higher premiums.
What's the difference between Bronze and Silver plans?
On average, Platinum-level plans cover 90 percent of health care costs, and you pay 10 percent; Gold plans cover 80 percent, while you pay 20 percent; Silver plans cover 70 percent, while you pay 30 percent; and Bronze plans cover 60 percent, while you pay 40 percent.
What is the difference between a Platinum plan and a Bronze plan?
The metal is used to signal how generous the plan coverage will be. The more valuable the metal is, the more the plan will pay for the coverage. Bronze represents the lowest level of coverage (except catastrophic plans, see below). Platinum represents the highest level of coverage.
What is a Bronze Plan?
Who might choose a Bronze tier health insurance plan and why?
Premium: Bronze plans typically have the lowest monthly premiums, the amount you pay each month for coverage. This can make them an attractive option for individuals and families who use few medical services and are in need of protection from high costs if they were to get seriously sick or injured.
Which Medi-Cal plan is best?
OAKLAND, Calif., Jan. 19, 2023 – Kaiser Permanente Northern California's Medi-Cal health plan is the highest rated in the state for quality care, according to a December 2022 report from the state's Department of Health Care Services (DHCS).
What is the best health insurance in the USA?
Investopedia's analysis ranks Kaiser Permanente as the best health insurance company for 2025 because of its blend of affordability and low customer complaints. UnitedHealthcare and Aetna also earned top marks. We evaluated nine insurers using dozens of criteria, such as customer satisfaction, plan types, and costs.
Which is better, silver or bronze?
Objectively speaking, silver is better than bronze, but from a psychological perspective, it's not. Studies that examined the facial expressions of Olympic medal winners found that athletes who win silver are less happy than those who win bronze.
What is the best health insurance for seniors over 70?
Medicare is the best health insurance for retirees and seniors. You can choose between Original Medicare (Parts A and B) or private, bundled coverage, called Medicare Advantage.
Why are silver plans cheaper?
Generally, the difference between categories is based on the plan's share and your share of costs for covered services. If you qualify for extra savings (based on your income) and enroll in a Silver plan, the plan pays more and you pay less.
Which plan has the highest monthly premium?
Platinum: Platinum plans have the highest monthly premiums and lowest costs for healthcare use.
Do bronze plans tend to have higher out of pocket costs?
Bronze plans tend to have the lowest premiums but have the highest deductibles and other cost sharing, leaving the enrollee to pay more out-of-pocket when they receive covered health care services, while platinum plans have the highest premiums but very low out-of-pocket costs.
Why is Cigna so expensive?
The administrative costs required to maintain both the short and long term viability of the segment contribute to the overall premium a customer has to pay. Cigna is committed to using the premiums it collects to further its mission of creating a sustainable and affordable healthcare system.
How much is Obamacare a month for a single person?
Monthly premiums for Affordable Care Act (ACA) Marketplace plans vary by state and can be reduced by premium tax credits. The average national monthly health insurance cost for one person on an Affordable Care Act (ACA) plan without premium tax credits in 2024 is $477.
Are bronze plans HSA eligible?
High Deductible (HDHP) Bronze Plan
The only plan type you can combine with an HSA to pay for certain services tax-free. You'll have to pay the full cost for non-preventive services until you meet your deductible.
Is bronze worth any money?
How much do they weigh? Bronze is going for about $6.00/lb these days. Take them to any scrap yard.
Is BCBS bronze a good insurance?
Bronze plans usually have the lowest monthly premiums but the highest costs when you get care. They can be a good choice if you usually use few medical services and mostly want protection from very high costs if you get seriously sick or injured.
Which health insurance denies the most claims?
According to the analysis, AvMed and UnitedHealthcare tied for the highest denial rate, with both companies denying about a third of in-network claims for plans sold on the Marketplace in 2023, respectively.
What are the 4 most common health insurance plans?
Some popular health insurance policy options are:
Preferred provider organization (PPO) plans. Health maintenance organization (HMO) plans. Point of service (POS) plans. Exclusive provider organization (EPO) plans.
Why does no one accept Medi-Cal?
The most frequent reasons physicians limit Medi-Cal patients in their practices are payment rates and administrative hassles.
Can I get Kaiser with Medi-Cal?
The California Medi-Cal program provides health care coverage for some of the most vulnerable populations in the state and Kaiser Permanente participates in the Medi-Cal program to provide high quality care to enrolled beneficiaries in most counties currently served by the health plan.
Who are high deductible health plans best for?
An HDHP is best for younger, healthier people who don't expect to need health care coverage except in the face of a serious health emergency. Wealthy individuals and families who can afford to pay the high deductible out of pocket and want the benefits of an HSA may benefit from HDHPs.