Which metal category in health insurance plans indicates the highest level of cost-sharing between the insurer and the insured?

The category that indicates the highest level of cost-sharing between the insurer and the insured is Platinum. In the healthcare insurance marketplace, metal categories represent different levels of coverage and the percentage of costs covered by the insurer. In the Platinum category, plans typically cover about 90% of healthcare costs, leaving the insured to pay about 10% in out-of-pocket expenses.

This high level of coverage means that individuals with Platinum plans can expect lower costs when they access medical care, as the insurer assumes a greater portion of the expenses. Consequently, while the monthly premiums for Platinum plans are generally higher than those for plans in lower metal categories, the cost-sharing arrangement favors the insured due to the substantial coverage provided.

By contrast, the other categories—Bronze, Silver, and Gold—offer progressively lower levels of coverage and higher out-of-pocket costs for the insured, making Platinum the best option for those seeking minimal financial exposure when accessing healthcare services.