 [ Symptoms ] how should i choose between 3 insurers if the rates for both are basically the same on the exchange site [ Disease ] there are four metallic benefit tiers from least to most generous bronze silver gold and platinum check to see that the plans you are considering are all in the same tier they probably are the main factor that differentiates plans within a benefit tier is the provider network if you have a preferred physician or hospital check to see if they are in each insurer is provider network you many need to call the plans to find this information