ACA metal tiers describe the balance between monthly premiums and cost-sharing. Which statement best reflects this design?

• A. Bronze, Silver, Gold, and Platinum levels that leave premiums unchanged regardless of cost-sharing.
• B. Bronze, Silver, Gold, and Platinum levels that set fixed premiums with no cost-sharing.
• C. Bronze, Silver, Gold, Platinum levels that only affect premium but not out-of-pocket costs.
• D. Bronze, Silver, Gold, and Platinum levels that reflect the balance of monthly premiums and cost-sharing; lower premiums correspond to higher cost-sharing.

Answer: (D)