Health insurance plans are sold in four primary levels of coverage: Bronze, Silver, Gold and Platinum. They present a range of options. At one end is Bronze, with the lowest monthly premium, but with higher copays and deductibles when you need medical care. At the other end is Platinum, in which enrollees pay higher monthly premiums but pay less when they need medical care. You can choose the level of coverage that best meets your health needs and budget. The breakdown of costs for the standard Bronze, Silver, Gold and Platinum health plan levels is as follows:Bronze: On average, your health plan pays 60 percent of your medical expenses, and you pay 40 percent.Silver: On average, your health plan pays 70 percent of your medical expenses, and you pay 30 percent. In some cases, individuals may qualify for an Enhanced Silver plan based on their income, which enhances savings through lower copays, coinsurance, and deductibles in addition to a lower monthly premium cost. Gold: On average, your health plan pays 80 percent of your medical expenses, and you pay 20 percent.Platinum: On average, your health plan pays 90 percent of your medical expenses, and you pay 10 percent.In addition, there is a minimum coverage plan for those who qualify:Minimum coverage plan: If you're under 30, you may be able to buy a health insurance plan option called minimum coverage plan, also known as a "catastrophic" plan. These plans usually have lower premiums and mostly protect you from worst-case scenarios. Minimum coverage plans cover three doctor visits or urgent care visits, including outpatient mental health/substance use visits, with no out-of-pocket costs, and free preventive benefits. All other services will be full price but at the negotiated in-network price, until you spend $6,850, after which all in-network services are covered at 100 percent.