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.


Robert I. Field, Ph.D., J.D., M.P.H. is a professor of law at the Earle Mack School of Law and professor of health management and policy at the School of Public Health at Drexel University. He also writes for The Field Clinic blog.