What’s the difference between the Gold, Silver, and Bronze plans?

Written by Access Health CT | Published May 11th, 2022 | Updated May 11th, 2022

There are different plan options available at the Gold, Silver and Bronze level. Each plan offers different levels of coverage, so you should look for the plan that best fits your medical needs as well as your budget. Some types of plans may restrict your provider choices or encourage you to get care from your plan's network of providers, while others pay a larger share for services outside of the provider network. It's important that you understand the differences between these metal levels, and that you should look beyond just the monthly premium payment when comparing plans.

For more information on types of plans, differences between plans and how to sort your options, click here or continue reading. 

For information on Catastrophic Coverage, click here.

To shop and compare plans now, go to AccessHealthCT.com and click "Compare Plans"


  • Gold: Plans in the Gold level provide superior coverage, but do come with a higher monthly price tag. Many gold plans have low deductibles and often have much lower up-front costs when you go to get care. They may be best for people who frequently use services or who want the assurance that if they ever need care that they won't have to pay much out-of-pocket.

  • Silver: Plans in the Silver level provide a good mix providing still low monthly premiums, but offering much more coverage right away when you need to use your plan. Many silver plans may not require you to meet a deductible first before getting most services unlike in the bronze level. They may be best for people who may use services from time to time or for people who qualify for Cost-Sharing Reduction plans.

  • Bronze: Plans in the Bronze level will have lower monthly premium costs, but may require you to meet high deductibles before the plan will start paying for the services you get. This makes bronze plans cheap to have but expensive to use. They may be best for people who do not think they will need to use their coverage, but want protection against the high costs of serious health events.