Amanda Deardorff, left, a health enrollment navigator with Open Door Health Solutions, helps Valerie Kazer through the process of signing up for coverage under PPACA in Muncie, Ind. (AP Photo/AJ Mast)

Feb. 20 (Bloomberg) — Most Americans are avoiding the lowest-priced health plans on the Obamacare insurance exchanges, taking advantage of government subsidies to seek more protection against high treatment costs.

Only 19 percent of enrollees chose the coverage with the cheapest premiums, called bronze, while 7 percent picked the most expensive, the U.S. Health and Human Services Department said in a report. Mid-level silver plans drew 62 percent. The lower the plan level, the higher the out-of-pocket costs.

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