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Compare Plans and Find the One That’s Right for You

CDPHP is committed to continuing to provide the plan options, benefits, wellness programs, and service you and your employees need to stay healthy.

To help you compare plans with similar levels of coverage and make informed decisions, CDPHP individual health plans have been classified according to metal levels—platinum, gold, silver, and bronze.

Health plans on the Marketplace are offered in a tiered format. Plan tiers are based on metal levels that match the percentage of costs covered.

metal tiers

For example, if an employee decides to purchase a bronze level plan, the employer would be responsible for about 40 percent of the average cost-share for benefits covered under your plan. This means more out-of-pocket expenses for copayments, coinsurance, and deductibles than for a plan at a higher metal level, although the monthly premium will be lower. A higher metal tier level indicates fewer out-of-pocket expenses but a higher monthly premium.