The Affordable Care Act requires qualified health plans offered through exchanges to meet certain actuarial value levels referred to as metal levels - bronze, silver, gold, and platinum. These metal levels allow consumers to compare plans with similar coverage levels. Plans must offer at least one silver and one gold plan through exchanges. The document defines actuarial value as the percentage of average total costs for essential health benefits a plan will cover, and explains the specified actuarial value ranges for each metal level, from 60% for bronze to 90% for platinum.