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member -  When we use the term “member,” we’re referring to a person who has health care coverage. Members typically receive access to a network of providers, coverage for certain health services, and often tools and wellness programs.
metallic levels -  To make it easier to compare plans, the federal government created four levels of coverage: platinum, gold, silver, and bronze. Platinum health plans have the highest premiums, but have the lowest costs each time you receive care. Bronze health plans have the lowest premiums, but have the highest costs each time you receive care. Gold and silver plans offer more of a balance. There is a fifth level of coverage called “catastrophic,” but this type of plan is only available to individuals under the age of 30 or with an extreme financial hardship.
monthly rate -  Also known as a premium, it’s the set dollar amount you pay each month for your health insurance.

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