Health Care Reform

Financial Assistance

Find out how the laws can help you cut the costs of your health care

Many people who purchase health coverage on their own will receive help paying for it.

Depending on your income and family size, when you buy coverage through the Health Insurance Marketplace you may be eligible to lower the costs of your monthly premium or out-of-pocket costs.  The lower your income, the higher your savings may be.  To find out if you are eligible for a subsidy, complete your application on

Advanced Premium Tax Credits

How do Advanced Premium Tax Credits Work?

Advanced Premium Tax Credits (APTC) reduce the cost of health plan premiums for people who qualify. They are based on a sliding scale: the less you earn, the larger the tax credit you receive.  If you are eligible, you choose how much of the advance credit payments to apply to your monthly premiums.  If your APTC is less than the tax credit you are due, you will get the difference as a refund when you file your federal income tax return.  If your advanced payments are more than the amount of your credit, you must pay the additional with your tax return.

Who is eligible?

The amount you save depends on your income and family size.  Individuals who make less than four times the Federal Poverty Level (FPL) may qualify. Generally, if you fall in the income ranges listed in the chart below, you will qualify for a subsidy.


To find out in detail what you qualify for, use a Subsidy Estimator

Cost-Sharing Reductions

How do cost-sharing reductions work?

Cost-sharing reductions are available on Silver plans only.  When you apply for health coverage on the Health Insurance Marketplace, you will find out if you are eligible for savings on your out-of-pocket costs. If you are eligible for these savings, the plans you see will have the cost-sharing reductions built in and you will get the out-of-pocket savings of a Gold or Platinum plan at a Silver plan price.

Who is eligible?

You may qualify for these savings if your income falls between 100 percent and 250 percent of the federal poverty level and you purchase a Silver plan through the Health Insurance Marketplace.

Generally, if you fall in the income ranges listed in the chart below, you will qualify for a cost-sharing reduction.


There are three levels of CSR subsidies: CSR 73, CSR 87, and CSR 94. The number refer to the actuarial value (AV)

Income Level Actuarial Value (the amount of costs a Silver plan with cover due to cost sharing reductions subsidies for % of the Poverty Level)


100-150% FPL = 94% Actuarial Value (CSR 94)

150-200% FPL = 87% Actuarial Value (CSR 87)

200-250% FPL = 73% Actuarial Value (CSR 73)

More than 250% FPL = 70% Actuarial Value


For more information on if you qualify to save money on health plan coverage, visit:

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