Health Insurance Coverage Guide
Compare plan types and find the right coverage
2026 Metal Tier Comparison
| Plan | You Pay | Avg Premium | Deductible | Best For |
|---|---|---|---|---|
| Bronze | 40% | $350 | $7,500 | Young, healthy |
| Silver | 30% | $450 | $5,000 | Subsidy + CSR |
| Gold | 20% | $550 | $1,500 | Moderate users |
| Platinum | 10% | $700 | $500 | High users |
ACA Premium Subsidies
Premium Tax Credits lower your monthly cost based on income:
100-150% FPL: Pay ~2% of income
150-200% FPL: Pay ~4% of income
200-400% FPL: Pay 6-8.5% of income
2026 FPL for individual: $15,060
High Deductible + HSA Option
HDHP Minimum Deductible
$3,200
Individual (2026)
HSA Benefits
- • Triple tax advantage
- • Contributions deductible
- • Grows tax-free
- • Tax-free withdrawals
Open Enrollment Dates
November 1 - January 15 for most states.
Special Enrollment Period available for qualifying life events (job loss, marriage, baby).
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Plans and costs vary by state and insurance company. Visit healthcare.gov for official info.