What type of insurance coverage provides the lowest level of benefits under the Affordable Care Act?

The Bronze plan under the Affordable Care Act (ACA) provides the lowest level of benefits compared to the other tiers—Gold, Silver, and Platinum. Each of these categories represents a different balance between premiums and out-of-pocket costs. The Bronze plan typically covers 60% of healthcare costs, leaving individuals responsible for 40% through deductibles, copayments, and coinsurance. This makes it the most affordable plan in terms of monthly premiums but also means higher out-of-pocket expenses when care is needed.

In contrast, Silver, Gold, and Platinum plans offer more coverage for a higher monthly premium. Silver plans average around 70% coverage, Gold plans about 80%, and Platinum plans approximately 90%. This tiered structure allows consumers to choose a plan that better fits their healthcare needs and financial situation, but among these options, the Bronze plan is explicitly designed for those who prefer lower premiums and are willing to accept higher costs when they require medical care.