An ACA Platinum plan has the highest premiums but the lowest out-of-pocket costs. Platinum plans have an actuarial value of 90%. Platinum plans are best for people with significant medical needs who want the most comprehensive coverage.
Key Points
- Platinum plan: highest premiums, lowest out-of-pocket costs
- Actuarial value: 90% (plan pays 90% of covered costs on average)
- Best for: people with significant medical needs
- Lowest deductible and copays of all metal tiers
- An independent agent can help you compare Platinum plan options