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What is the Difference Between Silver <br />and Gold Plans? <br />► Premier Silver Plan pays 80% of total average costs (actuarial value of <br />80%). On average members would pay 20% of cost of covered <br />benefits. <br />► Deductibles, copays, coinsurance and out of pocket max are higher <br />► Premier Gold Plan pays 88% of total average costs (actuarial value of <br />88%). On average members would pay 12% of cost of covered <br />benefits. <br />► Lower deductible, copays, coinsurance and out of pocket max <br />