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

We offer three common ICHRA strategies in the quoting tool to help you design a quote that fits the employers wants and needs. Let's dig into each one.

1) Cost Saver

The most budget-friendly option.

• Lower premiums
• Higher deductibles

• Often narrower networks (frequently HMOs)

  Great for employers prioritizing cost control.

  
  

2) Gold

A balanced, middle-ground option.

• Moderate premiums
• Lower deductibles than Cost Saver

• Often broader networks

  These are the most popular plans and a strong “anchor” for comparison.

  
  

3) Low-to-No Deductible

A richer, premium-level benefit.

• Higher 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:

• Bronze = most-cost-effective
• Gold = balanced
• Low-to-no deductible = richer coverage with higher upfront cost but less risk later