Cost Sharing Reductions Explained

If you qualify for savings on out-of-pocket costs, you’ll pay lower deductibles, coinsurance, and copayments. These are costs you have to pay when you get care. When you apply for coverage in the Marketplace, you'll learn if you’re eligible for savings, which are sometimes called “cost-sharing reductions.”


Out-of-pocket savings apply only to Silver plans

Plans in the Marketplace are grouped into 4 categories: Bronze, Silver, Gold, and Platinum.Learn more about plan categories and what they mean.


IMPORTANT: If your income qualifies you for out-of-pocket savings, you must choose a Silver plan to get the savings. You can choose any category of plan you want, but you'll get the out-of-pocket savings only if you enroll in a Silver plan.





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Bridge the gaps in health insurance coverage!

When a life change leaves you without health insurance, you need coverage to get you through the transition period. With a short-term health insurance plan from Golden Rule Insurance Company, a UnitedHealthcare company, you can select the length of time (1 to 11 months in many states) and choose from a range of available deductible amounts and payment options. And when your needs change, you have the flexibility to drop your coverage at any time without a penalty.