Glossary Term

Gold Plan

The gold plan is an Affordable Care Act health plan that generally pays for 80 percent of the enrollee medical costs covered by the plan. As such, a gold plan has an 80 percent actuarial value. Traditionally this actuarial value was higher than the silver plan but silver loading in reaction to CSR defunding has often changed this situation.  

A gold plan is typically a more expensive ACA option, averaging higher premiums than both the bronze and silver plans. 

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