QUESTION

I heard that the cost-sharing subsidies that help lower my out-of-pocket costs are no longer available. Is that true?

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

No, plans with reduced out-of-pocket costs like deductibles, co-pays, and coinsurance are still available to you if your household income is between 100 to 250 percent of the federal poverty level and you qualify for marketplace coverage. If you are eligible, you must enroll in a silver level plan to take advantage of these modified health plans. 

Health plans that offer marketplace coverage must offer these types of plans by law. While health plans are reimbursed by the federal government for these modified health plans and may lose that funding, they are still required to provide them. (45 C.F.R. § 155.305; 42 U.S.C. § 18071).

Individuals with no coverage
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