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1 Tell Us About Yourself
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2 Choose a Small Employer Plan Tier
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3 View Small Employer Plans
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4 Plan Details
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5 Marketplace
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View 2025 Plan Tier Options
As part of the Affordable Care Act, insurance companies are now required to categorize their plans into four "metal tiers." These metal tiers make it easier for you to differentiate between the plans with the highest level of coverage (Platinum) and lowest level of coverage (Bronze).
(716) 631-8701 or 1-800-501-3439
Mon. – Fri., 8 a.m. – 5 p.m.
(716) 505-8515 or 1-855-210-9930
TTY: 1-888-357-9167
Mon. – Fri., 8 a.m. – 5 p.m.
Platinum »
Highest monthly cost; low copay/coinsurance amounts. Ideal for those who prefer easy and predictable out-of-pocket costs.
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Gold »
Higher monthly cost; simple, fixed copays and deductibles. Ideal for those who want to save on monthly costs and keep their out-of-pocket costs low.
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Silver »
Mid-range monthly cost; moderate-range deductibles and copay/coinsurance amounts. Ideal for those looking to balance their monthly costs with their out-of-pocket costs.
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Bronze »
Lowest monthly cost; highest deductible and copay/coinsurance amounts. Ideal for those who don't use a lot of medical and health care services.
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Catastrophic »
Low monthly cost; high deductible and out-of-pocket maximum. Available to individuals under age 30 or who meet other Federal requirements.
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Monthly Cost
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| $$$$$ | $$$$ | $$$ | $$ | $ |
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Cost-Sharing Comparison
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You: 10%
Plan: 90%
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You: 20%
Plan: 80%
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You: 30%
Plan: 70%
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You: 40%
Plan: 60%
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You: 42%
Plan: 58%
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Out-of-Pocket Cost
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| $ | $$ | $$$ | $$$$ | $$$$$ |
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In-Network Deductible
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| $ | $$ | $$$ | $$$$ | $$$$$ |
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Preventive Care Services
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| Yes | Yes | Yes | Yes | Yes |
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Health Savings Account (HSA) Qualified
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| No | No | Varies by plan | Varies by plan | No |
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Prescription and Emergency Room Coverage
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| $ | $$ | $$$ | $$$$ | $$$$$ |
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Wellness Benefit Options
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| Yes | Yes | Yes | Yes | No |