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HAP is here with health plans that work harder for your business.

Metal tiers

Value standards across health plans

Our qualified health plans are ranked using metal tiers: Bronze, Silver, Gold and Platinum. Metal tiers help you compare health plans with similar actuarial value – the amount of costs covered by the plan. All plans within each metal tier include a monthly premium (the amount you pay each month for your coverage) and out-of-pocket costs when you get care (copays, coinsurance and deductibles), but the amounts differ across metal tiers.

Each tier provides an average percentage of coverage:

  • Bronze: 60 percent
  • Silver: 70 percent
  • Gold: 80 percent
  • Platinum: 90 percent

Bronze health plans usually have the lowest premiums and highest out-of-pocket costs – copays, deductibles and coinsurance. Platinum plans typically have the highest premiums and lowest out-of-pocket costs.

It's impossible to predict all your health care needs for the year ahead. But we can help you choose a plan that fits your health insurance needs and budget.

  • Platinum or Gold level plans may be a good idea if you make frequent doctor visits or need prescriptions on an ongoing basis.
  • Silver plans cost a little less per month than platinum or gold plans and may be a better option if you don’t expect to use medical services or prescriptions very often.
  • Bronze plans cost less per month in premiums but also pay less of your costs when you need care.
Understanding out-of-pocket costs
Even when a service or medication is covered, you may pay part of the cost. Learn how out-of-pocket costs like copays, coinsurance and deductibles work. (Video, 2:41)
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