The Affordable Care Act (ACA) created four new designs for health insurance policies. You may have heard policies referred to as “metal plans.”  This is because each design is named after a metal: Bronze  |  Silver  |  Gold  |  Platinum The four metal plans are distinguished from one another by their actuarial value. Actuarial value (AV)  is the average amount of covered health care expenses that will be paid for 

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