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How do the tiers (bronze, silver, gold and platinum) help consumers compare plans?


The tiers are a way to categorize plans based on "actuarial value." Plans within each tier have a similar actuarial value, even if they cover benefits differently or have different cost-sharing. While all plans in a tier must cover essential health benefits, the details of their coverage (such as how many physical therapy visits are covered or which prescription drugs are covered) may be different. Some plans may offer benefits in addition to the essential health benefits.

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