I can’t afford to pay much for deductibles and co-pays. Is there help for me in the Marketplace for cost-sharing?

Individuals with no coverage | Eligibility for Premium Tax Credits and Cost-Sharing Reductions |

Yes. If your income is between 100 percent and 250 percent of the federal poverty level, you may qualify for cost-sharing reductions in addition to premium tax credits. These will reduce the deductibles, co-pays, and other cost-sharing that would otherwise apply to covered services.

The cost-sharing reductions are available through modified versions of silver plans that are offered on the Marketplace. These plans will have lower deductibles, co-pays, coinsurance and out-of-pocket limits compared to regular silver plans. Once the Marketplace determines you are eligible for cost-sharing reductions, you will be able to select one of these modified silver plans, based on your income level. (45 C.F.R. § 155.305.)

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues