What is the difference between a Bronze, Silver, Gold, and Platinum health plan?

The main difference between the four metal tiers is how the plan divides costs between the insurer and the planholder. Bronze plans have an actuarial value of about 60%, and Silver has 70%. Gold coverage has an actuarial value of 80%, and Platinum has 90%. In general, higher-tier plans have higher premiums but lower out-of-pocket costs when you receive care.

Which metal tier is best for health insurance?

There isn't a single metal tier that's best for everyone, as consumers have varying healthcare needs. Bronze may work well for someone who wants a lower premium and doesn’t expect to use much healthcare during the plan year. Gold or Platinum might be a better fit for someone who expects higher medical expenses or has a chronic condition. Those searching for a middle-ground policy or needing cost-sharing reductions may find a Silver plan to be the best option.

Does a higher metal tier mean better health insurance?

No. Metal tiers describe how the plan will divide healthcare costs between you and the insurance company. They don't indicate the quality of your healthcare or guarantee a larger provider network. For example, a Bronze plan can provide the same health benefits as a Platinum plan; however, the cost-sharing structure will be different.

Can I use an ICHRA with a Bronze, Silver, Gold, or Platinum plan?

Yes. Employees with an ICHRA only need qualifying individual health insurance coverage to use the benefit, regardless of the plan’s metal tier. However, how the ICHRA and premium tax credits work together depends on your benefit’s affordability. If your ICHRA is affordable (meaning you’re not paying more than 9.96% of your actual income for the lowest-cost Silver plan on a public health exchange), you can't receive your premium tax credit. If it's unaffordable, you can opt out of the ICHRA and collect your tax credits.

Remodel Health: The ICHRA Administration Partner Brokers Trust

We're the largest ICHRA administrator, trusted by thousands of employers and brokers nationwide. Employers and brokers are done with unsustainable group health insurance renewals. ICHRA is the way out, and we make it work at scale without risking employees, compliance, or operations.

Technology manages the complexity. People guide the moments that matter

ClearChoice™ by Remodel Health operates as an active partner at every stage of the benefits cycle, with structured transition management, member advocacy, year-round strategic support, and seamless payment operations. Customers get Launch Coordinators to onboard your team, Benefits Advisors to guide plan selection, Customer Success Representatives for year-round support, and Account Managers to keep your strategy on track.

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Members served through ICHRA

Advisor satisfaction rating

Annual customer revenue retention

Predictable, controllable costs

Employers set a monthly contribution that fits their budget.

Benefit flexibility and customization

Customize contributions by class, age, and family status.

Better employee experience

Employees choose the health plans that work for them.

Review your current benefits

Utilizing our software, our consultants will conduct a comprehensive analysis of the plan design and details for the health benefits you or your clients currently provide. You’ll see exactly how much you can save by switching to ICHRA.

Design your ICHRA

Our team will guide you through the process of designing your new ICHRA benefit. From setting tax-free contributions to customizing your benefits for your workforce’s needs, we handle the heavy lifting.

Onboard employees

With Remodel Health, you don’t have to onboard employees on your own. We host virtual or in-person onboarding and education sessions, provide materials, and make it easy for your team to get started with their ICHRA.

Employees shop for coverage

Employees shop for the best plans for their needs through the Remodel Health platform. We provide guided recommendations, and employees can filter all plans based on their preferred providers and prescriptions. Our licensed, in-house benefits advisors are also available to assist employees with enrolling in individual coverage or Medicare.

Automated ICHRA premium payments

Instead of reimbursing employees for their insurance premiums on a monthly basis, Remodel Health’s Autopay feature streamlines the payment process. We transfer funds for premium payments from the employer’s bank accounts to a Remodel Health FMO holding account. After allocating the ICHRA contributions to individual FDIC-insured accounts for each employee, we pay employees’ premiums directly to their carriers. Our Financial Operations Specialists oversee the entire payment process each month, verifying that everything goes smoothly.

"Stenz wanted to transition from another ICHRA vendor to Remodel Health due to several challenges, particularly around slow service responses. Stenz is absolutely delighted with Remodel Health! They’ve had an incredibly positive experience and couldn’t stop raving about the team’s exceptional responsiveness."

Jon Weaver

Corporate Benefits Consultant, NFP

"Remodel Health made this transition easy for our staff by providing education, numerous phone calls, and an on-site visit to meet with every employee. Once enrollment was complete, the excellent customer service has continued for any employee and HR when there were questions."

Terri Turner

Director of Human Resources, St. Anne's Retirement Community

“ICHRA has allowed our employees to think about what’s inherently best for them. For us to be able to provide that through a really flexible solution through Remodel Health, it reshapes the conversation of what makes a benefit beneficial."

Austin Beachy

Director of HR, PWI

"Remodel Health has partnered with us to provide an excellent experience for our employees when they’re choosing their health benefits. They made us feel that we mattered in the process, that our goals and objectives for our employee base and for our company culture were still important."

Abby Olson

VP of HR, Meyer Foods Management

“I feel like I’ve handed a baton off to [Remodel Health] because they’re getting the same care that they would from me . . . [It’s] refreshing. They care about people as much as I do. They care about the employees, the end users, and they’re dedicated.”

Meleah Noland

Benefits Specialist, Morrison Child and Family Services

“90% of our employees have seen a decrease in their premiums. Some of them have lost all premiums altogether.”

Melanie Nohl

VP of HR, Ironhorse Resources

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