The metal tiers include bronze, silver, gold, and platinum. The healthcare plans are classified within these metal tiers, which differ in Out-of-Pocket maximum, deductibles, and premiums.

For example, a bronze tier plan usually has the lowest premiums but has high deductibles and out-of-pocket costs. Therefore, you can access healthcare once you meet the initial deductibles. Similarly, a gold or platinum plan has the highest premium but usually has low deductibles and out-of-pocket costs.