The metal tier of your plan usually determines the cost of the healthcare. The structure is as follows:

  • Bronze: The company bears 60% of the healthcare cost
  • Silver: The company bears 70% of the healthcare cost
  • Gold: The company bears 80% of the total healthcare cost
  • Platinum: The company bears 90% of the total healthcare cost

Similarly, the premiums also depend on the tier, with bronze having the least and platinum having the highest. 

On the other hand, Medicare plans have a fixed cost for Part A and Part B. As of 2022, Part A is free, while the standard Part B premium is $170.10.