2026 Metallic Levels

No. A health insurance plan covers the same benefits and services no matter if you chose the gold, silver or bronze metal tier. The metal tiers just change how much you'll pay for those services and benefits, and how much your monthly premium will be.

Every Affordable Care Act (ACA) plan, at all levels, must cover the same 10 essential health benefits, including annual preventive care, emergency services, behavioral health support and pediatric services.

• Bronze plans usually have lower monthly premiums but higher costs when you get care. These can be a good fit if you're looking for lower monthly costs.
• Silver plans typically cost more each month, but can help you pay less out of pocket. If you qualify for cost-sharing reductions (CSR) you’ll need to choose a silver plan to get those extra savings.
• Gold plans often have higher monthly premiums and lower out-of-pocket costs when you use care. These can be a good fit if you expect more doctor visits or prescriptions.

To claim your cost-sharing reduction savings, you'll most likely need to pick a silver level plan. You can still choose gold, but you won’t be able to get your savings. Compare your monthly costs and health care needs before choosing coverage.

Yes. You can use your premium tax credits with any metal level. You'll have to enroll through the Marketplace, or beWellNM instead of with BCBSNM to claim your premium tax credits. If you start shopping with us and you're eligible for subsidy savings, we'll help you finish enrolling through beWellNM.