An ACA Gold plan has higher premiums but lower out-of-pocket costs. Gold plans have an actuarial value of 80%. Gold plans are best for people who use medical care frequently and want lower cost-sharing.
Key Points
- Gold plan: higher premiums, lower out-of-pocket costs
- Actuarial value: 80% (plan pays 80% of covered costs on average)
- Best for: people who use medical care frequently
- Lower deductible and copays than Bronze and Silver plans
- An independent agent can help you compare Gold plan options