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Health Care Reform:

Health Insurance & Affordable Care Act

Back to ACA Health Insurance Terms List

Gold plan

In a state Marketplace, there may be up to four levels of health coverage. Each plan design is named after a type of metal. So you may hear these called the metal plans. Each plan design must cover all the essential benefits.

A gold-level plan has one of the highest levels of coverage. It covers more health services than a bronze or silver plan, but fewer than a platinum plan. Each company that’s selling health insurance in a Marketplace must offer at least one gold-level plan.

A health plan in the gold level may be a good choice for you if you expect to have a lot of doctor appointments, need many prescription medicines, or need other health services.

Gold plans have:

  • A very large amount of benefits. This means a gold health plan will pay for more health services than a plan at the silver or bronze levels but fewer than a platinum plan.
  • High premium. You pay more each month for a gold plan than you would for another level of insurance except platinum.
  • Lower out-of-pocket costs. With a gold plan, the amount you pay each time you get a health service, such as seeing a doctor or filling a prescription, is less than what you'd pay if you have a bronze or silver plan.

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