The insurance exchanges will offer four kinds of policies that will differ according to the generosity of coverage. Platinum plans will cover 90% of your expected health care costs. Gold plans will cover 80%, silver plans 70%, and bronze plans 60%. All of the plans must cover the same basic health care services, so the main difference will be in the size of the co-payments and deductibles. Of course, the more generous the plan, the higher the price tag will be.