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See if You Qualify for Cost Sharing Reductions:
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Cost Sharing Reductions:

Save on Your Out-of-Pocket Costs

Cost Sharing Reductions help lower the amount you pay out-of-pocket when using medical services or receiving health care. Common out-of-pocket costs include deductible, coinsurance, and copayment fees.

Like the Premium Tax Credit, which lowers the costs of your monthly insurance rate, Cost Sharing Reductions are an additional type of subsidy, or "discount", paid for by the government. Those who qualify for both subsidies find that they can substantially save on their total cost of health care.

To qualify for Cost Sharing Reductions, you must choose a Silver plan, and your income must be at or below 2.5x the Federal Poverty Line. You may qualify if your income falls within the following ranges:

United States residents living in the contiguous states (e.g. not living in Alaska or Hawaii):

Household Size
Yearly Household Income Range
1
$11,880 - $29,700
2
$16,020 - $40,050
3
$20,160 - $50,400
4
$24,300 - $60,750
5
$28,440 - $71,100
6
$32,580 - $81,450
7
$36,730 - $91,825
8
$40,890 - $102,225

Alaska residents only:

Household Size
Yearly Household Income Range
1
$20,479 - $51,198
2
$27,628 - $69,070
3
$34,776 - $86,940
4
$41,924 - $104,810
5
$49,073 - $122,683
6
$56,194 - $140,485
7
$63,370 - $158,425
8
$70,546 - $176,365

Hawaii residents only:

Household Size
Yearly Household Income Range
1
$18,865 - $47,163
2
$25,433 - $63,583
3
$32,002 - $80,005
4
$38,571 - $96,428
5
$45,140 - $112,850
6
$51,709 - $129,273
7
$58,277 - $145,693
8
$64,874 - $162,185

Within these ranges, the lower your income, the more you can save on your out-of-pocket costs. That is because those with lower incomes qualify for greater Cost Sharing Reductions. If your income falls below these levels, you may be eligible for Medicaid depending on the state you live in. Check with the Federal Health Insurance Marketplace or your state’s exchange to learn more.

To see if you qualify, enter your zip code or call (844) 310-4603 to speak with an agent.

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(844) 310-4603

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(844) 310-4603
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ColoradoHealthInsurance.org
700 S. Flower St., Suite 640,
Los Angeles, CA 90017

ColoradoHealthInsurance.org is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, or through its designated agent, Martin Petoyan, only where licensed and appointed. License numbers are available upon request and are provided where required by law. Martin Petoyan's residence state is California, where his license number is 0H96813. QuoteLab's license information can be found at coloradohealthinsurance.org/licenses.html.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on ColoradoHealthInsurance.org are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.