Understanding the ACA Marketplace Metal Tiers

When stepping into the ACA marketplace, you’ll obviously have a plethora of different plans to offer to your clients. What if we told you there was an easy way to break down the different types of plans you could be selling in hopes of helping your clients better understand what they’re buying into? In this episode of the Agent Survival Guide Podcast, we’ll be guiding your next sale to a podium finish by breaking down the ACA metal tiers!

 

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Resources:

ACA 101: Selling Under-65 Health Insurance 

ACA in 2027: CMS Changes, Fraud Prevention & Identity Proofing ft. Arthur Barlow  

Understanding ACA Plan Metal Tiers 

 

References:  

Average monthly marketplace premiums by metal tier: KFF State Health Facts. KFF. (2025, November 3). https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D  

Health Insurance Marketplace. (n.d.-a). Health plan categories: Bronze, Silver, Gold, & Platinum. HealthCare.gov. https://www.healthcare.gov/choose-a-plan/plans-categories/  

Lewis, B. E. (2026, March 25). What are the four metal tiers of Affordable Care Act Health Plans?. GoodRx. https://www.goodrx.com/insurance/aca/aca-tiers-of-coverage  

Quality ratings of health plans. HealthCare.gov. (n.d.-b). https://www.healthcare.gov/quality-ratings/  

 

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