Cost-Sharing Reductions

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

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Yes. If your household income is between 100% and 250% of the federal poverty level (that’s an annual income of $15,060 to $37,650 for a single person in 2025, or $25,820 to $64,550 for a family of 3), you can also qualify for cost-sharing reductions if you choose a Silver plan. These will reduce the deductibles, copays, and other cost sharing that would otherwise apply to covered services.

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.

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The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.