Cost-Sharing Reduction
A Cost-Sharing Reduction lowers the deductible, copays, and coinsurance on a Silver ACA Marketplace plan for people with lower income.
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Frequently asked questions about Cost-Sharing Reduction
What is Cost-Sharing Reduction?+
A Cost-Sharing Reduction lowers the deductible, copays, and coinsurance on a Silver ACA Marketplace plan for people with lower income.
Who qualifies for Cost-Sharing Reduction?+
Anyone without affordable job-based coverage, Medicaid, or Medicare can shop the Marketplace. Subsidies depend on household income.
How do I apply for Cost-Sharing Reduction?+
Apply during Open Enrollment (Nov–Jan) or after a qualifying life event at healthcare.gov, or through your state's Marketplace. Official forms and instructions: https://www.healthcare.gov/lower-costs/save-on-out-of-pocket-costs/.
Where can I get help?+
Compare plans and check subsidies at healthcare.gov, or call a free local Navigator listed there. BenefitKarma's free Benefit Eligibility Screener can also tell you if you qualify for Medicaid instead.