Most Americans retire prior to being eligible for Medicare coverage (age 65). If they do not have access to an employer-provided plan through a spouse, they may need to purchase coverage through the Healthcare Insurance Marketplace (via healthcare.gov). This chart shows the wide variation in health care costs available through the marketplace. To get an estimate for a specific situation, go to the Kaiser Family Foundation subsidy calculator. The calculator will also provide information on any potential subsidy or tax credit. Bronze plans may have healthier enrollees. Silver plans pay 70% of costs of their enrollees, while Bronze plans pay 60% of costs for their enrollees (approximately). This means that for a specific individual, out-of-pocket expenses might be higher with a Bronze plan, but premiums will be lower.