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3 things to know before you pick a health insurance plan - HealthCare. gov The 4 “metal” categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum These categories show how you and your plan share costs Plan categories have nothing to do with quality of care Your total costs for health care: You pay a monthly bill to your insurance company (a "premium"), even if you don’t use medical services that month You pay out-of