What is the cost-sharing reduction program?

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In addition to offering tax credits to make coverage more affordable, the government is providing a cost-sharing reduction program.  The government helps by paying part of your copays, coinsurance, and deductible. This helps limit the amount that you have to pay out of pocket for services.

If your household income is between 100 percent and 250 percent of the federal poverty level (up to 300 percent for Native Americans), you may be eligible to enroll for a plan with cost-sharing reductions.  In general, people at the income levels below will qualify to save in 2015.*

  • Up to $29,175 for individuals
  • Up to $39,325 for a family of 2
  • Up to $59,625 for a family of 4

*These amounts are based on 2014 numbers and are likely to be slightly higher in 2015. Amounts are different for each family size, up to eight.



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