The quick take
- Bronze: Lowest premium, higher out‑of‑pocket.
- Silver: Balanced; only tier with CSRs.
- Gold/Platinum: Higher premiums, lower out‑of‑pocket.
How to choose
Frequent care or expensive meds? Gold can be cheaper overall. CSR‑eligible? Silver often wins. Healthy with few visits? Bronze may be fine. True North Roots models your likely usage before you decide.
Need help deciding? True North Roots can compare plans, estimate your subsidy, and enroll you at no cost.