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What does Actuarial Value mean?

The share of covered costs a plan is designed to pay on average across a standard population.

Illustration — not a plan price

Actuarial value helps place plans into metal categories; it does not predict one member's share of costs.

The actual plan document controls. Verify its definitions, network, exclusions, dates, and amounts before relying on the illustration.

Definitions here are never for sale — no plan is recommended on a comprehension page.

Source: HealthCare.gov — Health plan categories · Verified 2026-08-11 · Reviewed by the MedicalRecords.com editorial team · Last reviewed August 11, 2026

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