Which tier of coverage provides 80% coverage?

The tier of coverage that provides 80% coverage is associated with Gold Plans. Under the Affordable Care Act, plans are categorized into different metal tiers, which reflect the percentage of health care expenses that the plan will cover for the average person.

Gold Plans are designed for individuals who may want to pay a slightly higher premium in exchange for lower out-of-pocket costs when they use health care services. The coverage level of 80% indicates that, on average, the insurance plan pays 80% of covered health expenses, while the individual will be responsible for the remaining 20%.

This tier is ideal for those who expect to need medical care more frequently, as they would benefit from the higher coverage percentage that helps reduce out-of-pocket spending during such instances. In contrast, Bronze Plans typically cover only 60% of costs, Silver Plans cover 70%, and Platinum Plans provide the highest level of coverage at 90%, making Gold Plans a balanced choice between lower premiums and manageable out-of-pocket expenses.