Saltar al contenido principal

PARA PARTICULARES Y PARA FAMILIAS

Niveles metálicos

It's important to stay covered with health insurance, and Bronze, Silver or Gold levels can help. With each Blue Cross and Blue Shield of Texas plan offering all three levels, you can find coverage that better fits your life's needs.

Want to start preparing for 2026 Open Enrollment?

Get Ready

Understanding Metallic Levels

How do the metal tiers work?

When you're shopping for a health insurance plan, you'll find different plans with different levels. For example, you could see a Blue Advantage HMO℠ plan offered at Gold, Silver and Bronze levels. The metallic levels are offered to help manage plan and care costs, like premiums, deductible, copay and coinsurance.

Metallic levels don't determine the services or prescriptions covered by a plan, but they do impact how much you'll pay for those services, prescriptions and your monthly premium.

Man sitting at a table and drinking coffee

Nivel bronce

Nivel Bronce: ahorre si las necesidades de atención médica son bajas

Maybe you don't take any prescription medicine, or you typically only visit the doctor once or twice a year. If you're not planning on needing much care, Bronze level plan premiums could offer your most affordable health care option. Puede esperar que BCBSTX pague aproximadamente el 60% de las facturas de atención médica, mientras que usted se hace cargo del 40%.

Explore more about Bronze plans.

Entender el nivel Bronce
Couple hiking in the woods

Nivel plata

Silver Level: Balanced Plan and Care Costs

With middle-of-the-road monthly premiums and covered health care costs, the Silver plan tier offers a balanced approach to your plan's costs. Puede esperar que BCBSTX cubra alrededor del 70% de sus facturas de atención médica, mientras que usted deberá cubrir el 30%. If you're eligible for cost-sharing reductions, you'll need to choose a Silver level plan to apply them.

Averigüe si una cobertura de nivel Plata se ajusta a sus necesidades.

Entender el nivel Plata
Pharmacist filling a prescription

Nivel oro

Gold Level: Higher Premiums for Lower Costs of Care

Prescriptions, specialist appointments, frequent doctor visits — by paying a higher monthly premium, Gold plans will cover more of your bill when you need health care. Puede esperar que BCBSTX pague aproximadamente el 80% de las facturas de atención médica, mientras que usted se hace cargo del 20%.

Obtenga más información sobre la cobertura Oro y cómo puede solicitarla.

Entender el nivel Oro

Affordable Care

Lowering Your Cost of Care

Staying covered is important. Even if your plan costs change in 2026, you may still have ways to make your health care more affordable. Learn how using in-network care, taking advantage of preventive care and opting in to wellness programs could help you save.

Conozca cómo