Which tier provides the highest coverage in the health insurance marketplace?

The tier that provides the highest coverage in the health insurance marketplace is the Platinum tier. This tier is designed to offer a higher percentage of coverage for healthcare costs, typically around 90%. This means that for covered medical services, the insurance plan pays 90% of the costs, and the insured individual is responsible for the remaining 10%.

Platinum plans typically come with higher monthly premiums, but the trade-off is lower out-of-pocket costs when accessing healthcare. This makes them an attractive option for individuals who anticipate frequent medical care or have significant healthcare needs.

In contrast, the other tiers, such as Bronze, Silver, and Gold, offer varying levels of coverage and cost-sharing, with Bronze covering about 60%, Silver around 70%, and Gold approximately 80% of costs. Thus, they require individuals to pay a higher percentage of their healthcare costs compared to Platinum plans, making Platinum the best choice for those seeking the maximum coverage available in the marketplace.