[steve86]

Plus yes the benefits on the silver and bronze plan are pretty limited.

I'm pretty sure based on reading the last few minutes that the metal level doesn't refer to what benefits are included but to what level of financial exposure the customer has.

[Conservative Actuary]

That is what I meant by the benefits. The metal levels set up a specified actuarial value, the individual insurance plan then chooses the specific benefits that satisfy that metal level.