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Let’s dig even deeper into ACA coverage.


Now that we’ve touched on Affordable Care Act (ACA) plans, let’s get into the specifics. You’ll learn about what ACA plans cover, how to get plan savings, what metal level is for you and more. Ready? Let’s get started.


Like to save? You’ll love premium discounts.


When you enroll in a plan though the Health Insurance Marketplace, you can apply for a premium tax credit (aka “subsidy”). You can use this credit to lower the cost of your monthly premium.


How to apply for a premium discount


Simply fill out a marketplace application. You’ll provide information about your expected yearly household income and dependents. That information helps determine if you qualify for a tax credit, and the amount.


Remember: The tax credit is different for everyone. So the less you make, the higher your premium discount. And the more you make, the lower your premium discount.


Did you know new rules make more individuals and families eligible for savings? Check out the brochure below to learn more.


Lower your premiums brochure - English (PDF)


Lower your premiums brochure - Spanish (PDF)


Going for a Silver plan? There’s a second way to save.


When you fill out a marketplace application, you can also find out if you qualify for cost-sharing reductions. That’s a fancy phrase that means you can get extra savings on your deductibles, copays and insurance. So you pay less out of pocket when you get care.


The bottom line: You have the opportunity to get premium discounts with all ACA plans: Platinum*, Gold, Silver and Bronze. But you can only get premium discounts and cost-sharing reductions with Silver plans.


You can visit to check if you might be eligible for premium discounts and cost-sharing reductions before you shop.


Legal notices

Health plans are offered or underwritten or administered by Coventry Health Plan of Florida, Inc., Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna is part of the CVS Health family of companies.

Health benefits and health insurance plans contain exclusions and limitations.