Plans are grouped into four “metal” categories: Bronze, Silver, Gold, and Platinum. Platinum: 90 percent of costs are covered by the plan, 10 percent by the consumer Gold: 80 percent of costs are covered by the plan, 20 percent by the consumer Silver: 70 percent of costs are covered by the plan, 30 percent by the consumer Bronze: 60 percent of costs are covered by the plan, 40 percent by the consume