Cost Sharing Reduction

A discount that lowers the amount you have to pay out-of-pocket for deductibles, coinsurance, and copayments. You can get this reduction if you get health insurance through the Marketplace, your income is below a certain level, and you choose a health plan from the Silver plan category. If you’re a member of a federally recognized tribe, you may qualify for additional cost-sharing benefits.

If you’re a member of a federally recognized tribe or an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder, you may qualify for additional cost-sharing reductions.

To learn if you qualify for lower costs on health insurance coverage, find your estimated 2015 household income and household size on the chart below.

The column on the left tells you if you may qualify for premium tax credits, lower out-of-pocket costs, or low-cost health care through Medicaid.

Learn how to estimate your income for the Marketplace.

Quick Check: Do I qualify to save on health insurance coverage?

This health care savings chart shows if you may qualify for lower costs on coverage in the Health Insurance Marketplace based on your household income and family size.