When you enroll in coverage through the Marketplace, you may be able to save money on out-of-pocket costs – the payments you have to make for doctor’s visits, lab tests, drugs, and other covered services. Whether you save on out-of-pocket costs will depend on your household size and income.
Important: You can get these savings on out-of-pocket costs only if you enroll in a plan in the Silver category.
When you apply for coverage in the Marketplace, you'll learn if you’re eligible for savings, which are sometimes called “cost-sharing reductions.”
If your household income falls in these ranges, you’ll save on out-of-pocket costs. The lower your income within these ranges, the more you’ll save on out-of-pocket costs. Learn how to estimate your income for the Marketplace.
Incomes that qualify for cost-sharing reductions are higher in Alaska and Hawaii. See Alaska and Hawaii information.
If your income falls between the amounts shown, you also qualify for premium tax credits that lower your monthly premiums.
Plans in the Marketplace are grouped into 4 categories: Bronze, Silver, Gold, and Platinum. Learn more about plan categories and what they mean.
If your income qualifies you for out-of-pocket savings, you must choose a Silver plan to get the savings. You can choose any category of plan you want, but you'll get the out-of-pocket savings only if you enroll in a Silver plan.
Get more information about cost sharing reductions for American Indians and Alaska Natives.
No. You can save on out-of-pocket costs only if you also qualify for a premium tax credit.