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FAQs: Health Insurance Marketplace and the ACA

Help Paying Marketplace Premiums and Cost Sharing: The Basics

Back to FAQs: Health Insurance Marketplace and the ACA

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If I mis-estimate my income and end up earning more than 250% of the federal poverty level next year, will I have to pay back the cost-sharing subsidies?

How much are the cost-sharing reductions?

If I use my premium subsidy for a Bronze plan, I can save even more money on the premium. Can I also get my cost-sharing reduction through a Bronze plan?

I can’t afford to pay much for deductibles and co-pays. Is there help for me in the Marketplace for cost sharing?

I heard that there will be changes to Marketplace premium tax credits and other Marketplace rules soon. How could these changes affect me?

Which states offer additional financial assistance for Marketplace plans?

I entered estimated income information for next year on my Marketplace application. I expect my income next year will be much lower than it was this year because I had to change jobs. HealthCare.gov says there is a “data match” issue and that I must verify my income. What does that mean?

My income is low enough that I qualify for advanced premium tax credits (APTCs), but I have never filed a federal tax return before. Can I still receive APTCs?

What happens with the premium tax credits if we want different Marketplace plans for different family members?

How do I apply for premium tax credits?

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.