The primary difference between the different metal tiers is the percentage of costs that are covered by the plan. On one end of the spectrum, bronze plans have lower premiums, higher deductibles, and higher max-out-of-pocket costs. On the other side, platinum plans have much higher premiums, lower deductibles, and lower max-out-of-pocket costs. The metal tiers have nothing to do with the quality of care or coverage – they are simply about consumer preference regarding costs.