Dec 15th is the deadline to enroll in ACA plans (later in many states)

If you make between 100-200% of the federal poverty line, you're probably best off with a Silver plan

Between 200-400%, you're probably best off with a Gold or Bronze

Above 400%, Bronze is likely best

In the 100-200% range ($12,760-$25,520 for an individual, $26,200-$52,400 for a family of four), you get Cost Sharing Reduction payments. You probably qualify for a free Bronze plan, but silver will most likely be a better deal https://www.healthaffairs.org/doi/full/10.1377/hlthaff.2016.0472

From 200-400% FPL (up to $51,040 for an individual, $104,800 for a family of four), you're probably better off with a Bronze plan, but there's a chance that silver loading has made Gold plans particularly cheap (sometimes less than Silver), in which case it's probably worth it

About 400% FPL, Bronze plan will almost always be the best deal for you, even though they're not great https://xpostfactoid.blogspot.com/2019/09/unsubsidized-buy-bronze-probably.html

Important to note this only applies to the ACA exchanges (healthcare dot gov, and the various state run exchange websites). This does not apply to employer provided insurance https://twitter.com/jdcmedlock/status/1336055247744032768