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A book of First Class stamps <a href=" http://weimar.edu/alabama-essay-service/#rules ">essay writers needed</a> Within the exchanges, insurers must offer at least a gold and a silver plan, though bronze and platinum may also be available. In a bronze plan, the insurer covers 60 percent of health care costs, while the individual pays 40 percent out-of-pocket. In a silver plan, the breakdown is 70-30. Gold and platinum plans have lower deductibles, but may come with higher monthly fees.