QUESTION

How much are the cost-sharing subsidies?

Individuals with no coverage | How Premium Tax Credits And Cost-Sharing Reductions Work
ANSWER

That depends on your income and the plans available in your area. To give a general idea, for self-coverage, a typical silver plan might have an annual deductible of $3,000 to $4,000 and an annual out-of-pocket limit on all cost-sharing of $7,900. But if your income is between 100 percent and 150 percent of the federal poverty level, the cost-sharing reductions will modify a silver plan so that the annual deductible might be closer to $0 and the annual out-of-pocket limit on all cost-sharing would be no more than $2,600 for self-coverage.

If your income is between 150 percent and 200 percent of the federal poverty level, the cost-sharing reductions will modify the silver plan so that your annual deductible might be lower and your annual out-of-pocket limit would be no more than $2,600 for self-coverage.

If your income is between 200 percent and 250 percent of the federal poverty level, the cost-sharing reductions will be more modest. At this income level, your annual out-of-pocket limit will be reduced to no more than $6,300 for self-coverage. These out-of-pocket limits are doubled for family coverage.

Check the marketplace website for more information about cost-sharing reductions in silver plans in your area based on your level of income. (42 U.S.C. § 18071; 81 Fed. Reg. 94058, Dec. 22, 2016).

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