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Health Insurance Glossary

Definitions for common health insurance terms

cost-sharing subsidies

DEFINITION: Cost-sharing subsidies are subsidies that are paid directly from the federal government to the insurer in order to reduce maximum out-of-pocket medical expenses (deductibles, coinsurance, copays) for households with incomes up to 250 percent of the Federal Poverty Level, and to also increase the Actuarial Value of plans for households with incomes up to 250 percent of FPL.

Use our Federal Poverty Level calculator.

In order to receive this benefit, the enrollee must meet the income criteria and select a Silver plan through the exchange. The subsidies are not considered a tax credit and do not need to be reconciled when the insureds file their taxes.

Read more about cost-sharing subsidies.

Read more about cost-sharing subsidies

2017 Obamacare subsidy calculator

August 25, 2017 – An impressive 85 percent of Americans shopping in the exchanges receive subsidies. If you're worried about the cost of premiums, use our… Read more

All about Obamacare's cost-sharing subsidies

The ACA’s cost-sharing subsidies

April 11, 2017 – While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce… Read more

Even if you think you are eligible for Medicaid, you should pay attention to open enrollment.

If I qualify for Medicaid, should I…

January 31, 2017 – Q. I've heard that Medicaid enrollment is year-round. So if I qualify for Medicaid, I don't need to worry about the January 31 end of open… Read more

We're a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the exchanges?

We’re a family of four with an income…

December 30, 2016 – Q. We're a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the… Read more

If every ACA-compliant plan was only available via the exchanges, millions more would potentially have access to ACA tax credits.

7 reasons for ending off-exchange…

September 15, 2016 – If every ACA-compliant plan was only available via the exchanges, millions more could have access to ACA's tax… Read more