Financial Help is Available for Marketplace Plans

TargetHIV

From the ACE TA Center Listserv

Want to learn more about financial assistance for Marketplace plans? Check out these two ACE TA Center resources.

Financial support is available for many consumers who get health coverage through the Marketplace. Premium tax credits (PTCs) and cost sharing reductions (CSRs) can help lower 2021 health insurance plan costs for eligible clients. In many jurisdictions, the Ryan White HIV/AIDS Program (RWHAP) can cover remaining premium and out-of-pocket insurance expenses for eligible clients.

Check out these two ACE TA Center resources to learn how PTCs and CSRs can help RWHAP clients pay for health insurance.

1. **NEW e-learning module on PTCs and CSRs**

Check out our new e-Learning module, Understanding Premium Tax Credits and Cost-Sharing Reductions to learn more about financial help available to Marketplace consumers. Through this interactive module, program staff can learn about PTCs, CSRs, and how these and other resources can help RWHAP clients pay for their health insurance and reduce out-of-pocket costs. Staff will also learn about the relationship between tax filing and PTC/CSRs, and how the RWHAP can help cover remaining premium and out-of- pocket insurance expenses for eligible clients.

2. FAQ: PTCs and CSRs 

The ACE TA Center’s FAQ: Premium Tax Credits (PTCs) and Cost-Sharing Reductions (CSRs) is designed to answer the most common questions about eligibility and applying for financial help. Example questions include:

  • Who is eligible?
  • How much financial help is available? 
  • How do clients apply for a PTC or CSR? 
  • Can a PTC or CSR be used for any Qualified Health Plan on the Marketplace? 
  • If the cost of coverage with an PTC and CSR is still unaffordable, what additional help is available through the RWHAP, including the AIDS Drug Assistance Program? 
  • How do clients renew their financial assistance?

Need help explaining all this to your clients? 

Our Plain Language Glossary of Health Care Enrollment Terms can help. The glossary is available in English, Spanish, and Haitian Creole.

Have a specific question about Open Enrollment? Email the ACE TA Center.

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