What Will the Average American Pay for Obamacare in 2018?
Big changes are in store for consumers who are planning to purchase an Obamacare (officially the Affordable Care Act, or ACA) plan in 2018. Though the enrollment period is ongoing and remains the same as in 2017 (Nov. 1 through Dec. 15, in most states), there are important differences to be aware of this time around.
Perhaps the biggest shift is the end of cost-sharing reductions, or CSRs. Cost-sharing reductions are one of the two core subsidies tied to Obamacare for low- and middle-income individuals and families. Advanced Premium Tax Credits (APTC), which will still be paid by the federal government to those earning up to 400% of the federal poverty level, help lower monthly premium costs, while CSRs reduce the copays, coinsurance, and deductibles tied to a doctor visit. Cost-sharing reductions had been given to folks who purchased a silver level plan and earned up to 250% of the federal poverty level.
Image source: U.S. Department of Homeland Security via Flickr.
Source: Fool.com
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