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Health Care Reform:

Health Insurance & Affordable Care Act

Financial Aid: Tax Credits and Subsidies

What Is a Cost-Sharing Subsidy?

A cost-sharing subsidy lowers your out-of-pocket costs -- the amount you spend whenever you get health care. You can only get this type of subsidy if you purchase a silver-level plan.

Who Qualifies for a Cost-Sharing Subsidy?

You may be eligible for a cost-sharing subsidy if the amount of money you and your spouse expect to make during the year is near the following income ranges:

  • $29,175 for one adult
  • $39,325 for a family of 2
  • $49,475 for a family of 3
  • $59,625 for a family of 4

Note that these are the government’s income guidelines for 2014, so they may be higher next year. If you live in Alaska or Hawaii, the amount you can make and still qualify will be different.

How Do I Get the Money From a Cost-Sharing Subsidy?

You won't get the money from your cost-sharing subsidy directly. Instead, the government gives the money to your health insurance company. That lets you pay less when you see a doctor or get a prescription.

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