Agreed, as the CoveredCA website points out: "Platinum and Gold plans have a $0 deductible." The whole point of the Platinum and Gold plans is that you pay mor

Agreed, as the CoveredCA website points out: "Platinum and Gold plans have a $0 deductible." The whole point of the Platinum and Gold plans is that you pay more upfront each month in exchange for lower out-of-pocket expenses when you actually utilize your insurance.