Coverage Levels: The Metal Tiers

Covered California health insurance plans — and all health plans in the individual and small-group markets — are sold in four levels of coverage: Bronze, Silver, Gold and Platinum. As the metal category increases in value, so does the percentage of medical expenses that a health plan covers compared with what you are expected to pay in copays and deductibles.  

Plans in higher metal categories have higher monthly premiums, but when you need medical care, you pay less. Alternatively, you can choose to pay a lower monthly premium, and when you need medical care, you pay more. You can choose the level of coverage that best meets your health care needs and budget. 

Some customers also have the option of buying minimum coverage plans, or catastrophic plans. These plans have low monthly premiums and protect you in the event that the worst-case scenario happens.