Ways to save on health insurance

Learn how subsidies can help make an Affordable Care Act (ACA) plan more affordable.

Page last updated on: 4/21/26

Health insurance doesn’t have to cost as much as you might expect. Many people qualify for financial help that can lower the cost of coverage, either by reducing their monthly premium, what they pay when they get care, or both.

These savings are based on your household size and income. And you don’t need to figure it all out yourself – we’ll help check what you may qualify for when you apply.

How you can save on ACA health coverage

There are two main ways people save on Affordable Care Act (ACA) health plans:

Lower your monthly premium

Premium Tax Credits (PTCs)

Premium tax credits can lower what you pay each month for health insurance. If you qualify, most people choose to use this savings right away to reduce their monthly bill.

PTCs are available to many individuals and families based on income and household size.

Learn how premium tax credits work

Pay less when you get care

Cost‑Sharing Reductions (CSRs)

Cost‑sharing reductions help lower out‑of‑pocket costs like deductibles, copays and coinsurance. These savings are available to eligible households that enroll in a Silver health plan.

CSRs can make a big difference in what you pay when you see a doctor, fill prescriptions or need care.

Learn how cost-sharing reductions work

You might qualify for one – or both

Some people qualify for both premium tax credits and cost‑sharing reductions. Others may qualify for just one.

Eligibility depends on:

  • Your household size
  • Your estimated household income for the year

You don’t have to decide this ahead of time. Eligibility is determined during the application process.

How to find out what you qualify for

Finding out whether you qualify for savings is built into the application process.

Here’s how it works:

  1. Get a quote for ACA health coverage during Open Enrollment or, if eligible, a Special Enrollment Period
  2. Provide household and income information
  3. Your eligibility for savings is determined automatically
  4. You can see plans and savings options available to you

Check your eligibility and explore plans

Common questions about saving on health insurance

Financial help is available when you apply for coverage, during Open Enrollment or if you qualify for a Special Enrollment Period due to a life event.

Premium tax credits are tied to your income for the year and may be reconciled when you file taxes. You can learn more about this on our premium tax credit page.

If your income or household size changes during the year, your premium tax credit may need to be adjusted. Reporting changes to the Marketplace as soon as they happen can help keep your monthly costs accurate and reduce surprises at tax time.

ACA subsidies guide

Fill out this form and get immediate access to our ACA subsidies guide, "How to save when shopping for health coverage."

Ready to See Your Options?

If you’re not sure where to start, that’s okay. Applying is the best way to find out what savings may be available to you and see health plan options that fit your needs and budget.

Get started and see if you qualify