What is the highest deductible plan under the Affordable Care Act levels of coverage?

The Bronze Plan is characterized by having the highest deductible among the levels of coverage under the Affordable Care Act (ACA). This plan is designed to provide a lower premium but requires individuals to pay more out-of-pocket costs before coverage begins. The structure of the Bronze Plan typically involves the insurance covering about 60% of the healthcare costs, leaving the subscriber responsible for the remaining 40% after meeting their deductible.

The higher deductible incentivizes individuals to use insurance for catastrophic events rather than routine care, appealing particularly to those who are generally healthy and do not expect to utilize extensive medical services.

In contrast, the Silver, Gold, and Platinum Plans offer lower deductibles and higher coverage percentages, which makes them more suitable for individuals who anticipate needing more medical care and are willing to pay higher premiums for lower out-of-pocket costs. Therefore, the Bronze Plan clearly stands out as having the highest deductible when considering the full range of ACA plan options.