How much are the cost-sharing reductions?

That depends on your household income and where you live. To give a general idea, a typical Silver plan might have an annual out of pocket limit on all cost sharing of about $9,200. But if your income is between 100% and 150% of the federal poverty level (an annual household income between $15,060 and $22,590 for a single individual for 2025), the cost-sharing reductions will modify a Silver plan so that the annual out-of-pocket limit on all cost sharing would be no more than $3,050.

If your income is between 150% and 200% of the federal poverty level (between $22,590, and $30,120 for a household of one in 2025), the cost-sharing reductions will modify the Silver plan so that the annual out-of-pocket limit would be no more than $3,050.

If your income is between 200% and 250% of the federal poverty level (between $30,120 and $37,650 for a household of one in 2025), the cost-sharing reductions will be more modest. At this income level, your annual out-of-pocket limit will be reduced to no more than $7,350.

Check the Marketplace website for more specific information about cost sharing reductions on Silver plans in your area based on your level of income.