An ACA Bronze plan has the lowest monthly premiums but the highest out-of-pocket costs. Bronze plans have an actuarial value of 60% — meaning the plan pays 60% of covered costs on average. Bronze plans are best for healthy people who rarely use medical care.
Key Points
- Bronze plan: lowest premiums, highest out-of-pocket costs
- Actuarial value: 60% (plan pays 60% of covered costs on average)
- Best for: healthy people who rarely use medical care
- High deductible: typically $5,000-$8,000
- An independent agent can help you compare Bronze plan options