Metal Tiers 101: Which MNsure Plan Is Right for You?

Choosing a health insurance plan can feel overwhelming—especially when you see Bronze, Silver, Gold, and Platinum options. These “metal tiers” don’t reflect quality of care (all MNsure plans meet the same standards). Instead, they describe how you and your plan split costs.

The Four Metal Tiers

• Bronze: Lower monthly premiums, but higher out-of-pocket costs when you use care. Best for people who are generally healthy and want protection from worst-case scenarios.

• Silver: Moderate premiums and costs. This is the only tier that qualifies for Cost-Sharing Reductions (extra savings on deductibles and copays) if your income qualifies.

• Gold: Higher monthly premiums, but lower costs when you use services. Best for people who use healthcare regularly.

• Platinum: Highest monthly premiums, but lowest out-of-pocket costs. Good for people with chronic conditions or frequent medical needs.

Key Questions to Ask Yourself

• How often do I visit the doctor?

• Could I afford higher bills later if I choose a lower monthly premium now?

• Do I qualify for extra savings (like Cost-Sharing Reductions)?

Pro Tip

Many Minnesotans save more than they expect on Silver plans, thanks to financial help. Don’t overlook this tier if you qualify!

👉 Need help? Briva Health Navigators are here to walk you through every step at no cost. Schedule an appointment today and secure the coverage you deserve.