What's the difference between Gold and Low-to-No-Deductible strategy?

The quoting tool offers four plan tiers to help you design a quote that fits what the employer wants and needs. They're listed here from leanest to richest coverage.

1) Cost Saver (Bronze)

The most budget-friendly option.

• Lower premiums
• Higher deductibles

• Often narrower networks (frequently HMOs)

  Great for employers prioritizing cost control.

2) Silver

A middle-ground option.

• Moderate premiums and deductibles
• Uses Silver plans priced close to the lowest-cost Silver plan in each employee's area

• Please note: Silver isn't always the cheaper middle option. Because of "silver loading," Silver plans can cost as much as, or even more than, Gold plans. How big the difference is depends on your client's market: their state, county and the insurers there. Check the average premium for Silver and Gold Standard in the quote, and if you're not sure, ask our team about Silver to see whether it's the best option for your client. Why do Silver plans sometimes cost as much as Gold?

  Good for employers who want a familiar middle ground.

3) Gold Standard (Gold)

Strong, comprehensive coverage.

• Higher premiums than Cost Saver or Silver
• Lower deductibles and copays

• Often broader networks

  A strong "anchor" for comparison, and often better value than Silver.

4) Low-to-No Deductible

A richer, premium-level benefit.

• Highest premiums
• Very low (or no) deductible

• More predictable out-of-pocket costs

  Ideal for employers who want to offer a more generous, easy-to-use benefit.

For a quick one-liner description:

• Cost Saver = most cost-effective
• Silver = middle ground
• Gold Standard = strong coverage, lower out-of-pocket costs
• Low-to-No Deductible = richest coverage, with higher upfront cost but less risk later