When you begin researching and shopping for a healthcare plan through Aptia365, you will see that plans are tiered and named after metals: Platinum, Gold, Silver, and Bronze. The cost sharing structure is different from tier to tier. But keep in mind that all of the plans, regardless of tier, combine both health coverage and prescription coverage under one plan.
| Platinum: typically, the premium payments are highest for this tier, but the expected out-of-pocket costs when seeking care are the lowest among the tiers. Availability of these plans is very limited and varies by geography. |
| Gold: typically, the premium payments are lower than Platinum, but the expected out-of-pocket costs when seeking care are slightly higher |
| Silver: typically, the premium payments are lower than Gold and higher than Bronze. The expected out-of-pocket costs when seeking care are slightly higher than Gold and lower than Bronze. |
| Bronze: typically, the premium payments are the lowest for this tier, but the expected out-of-pocket costs when seeking care are the highest among the tiers. |