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Types of health insurance subsidies

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Types of health insurance subsidies

健康保險補貼的類型


There are two types of health insurance subsidies available: the advance premium tax credit (APTC) and cost-sharing reductions (CSRs).

有兩種類型的健康保險補貼:預繳保費稅收抵免(APTC)和費用分擔減少(CSR)。



Advance premium tax credit (APTC)

預繳保費稅收抵免(APTC)


The advance premium tax credit (APTC) is a tax credit that helps lower the costs of monthly health insurance premiums. You may qualify for the credit if your household income is between 100% and 400% of the federal poverty level.


There are two ways to use the APTC: You can take it in advance or get a credit when you file your tax return.


If you opt to take the credit in advance, you can use it throughout the year by applying the credit directly to the payments you make to your insurance company. Then, when you file your tax return, you report the exact amount of subsidy you used throughout the year.


You can also opt to receive the entire credit when you file your taxes. The biggest challenge with this option is that you will still have to pay the full premiums throughout the year, which may not be affordable for many of the people who qualify for subsidies.


預先保費稅收抵免(APTC)是一種稅收抵免,可幫助降低每月健康保險費的成本。如果您的家庭收入介於聯邦貧困線的100%至400%之間,則您有資格獲得信貸。

有兩種使用APTC的方法:提交納稅申報表時,可以提前使用它或獲得信用額度。


如果您選擇提前收取信用額度,則可以在全年使用,方法是將信用額度直接應用於您向保險公司支付的款項。然後,當您提交納稅申報表時,您將報告您全年使用的確切補貼金額。


報稅時,您也可以選擇收取全部抵免額。這種選擇的最大挑戰是,您全年仍將要支付全額保費,對於許多有資格獲得補貼的人來說,這可能負擔不起。




Cost-sharing reductions (CSRs)

降低費用分攤(CSR)



Cost-sharing reductions sometimes called extra savings, work similarly to the premium tax credit, with a couple of key differences. They only apply to Silver plans, unlike the tax credit, which you can apply to any health insurance plan. However, you do calculate the value of your subsidy in the same way, by using the second-lowest-cost Silver plan.


A CSR also applies to more than just your monthly premiums. If you qualify for a cost-sharing reduction and you enroll in a Silver plan, you automatically get a version of that Silver plan that has reduced deductibles, copayments, and coinsurance. You will also receive a lower out-of-pocket maximum.

成本分攤的減少(有時稱為額外節省)與保費稅收抵免的工作方式類似,但有兩個主要區別。它們僅適用於白銀計劃,與稅收抵免不同,您可以將其應用於任何健康保險計劃。但是,您確實可以使用倒數第二便宜的白銀計劃以相同的方式計算補貼的價值。


CSR不僅適用於您的每月保費。如果您符合降低費用分擔的條件,並且加入了白銀計劃,則您將自動獲得該白銀計劃的某個版本,該版本減少了免賠額,共付額和共同保險費。您還將收到較低的自付費用。





若您有更多關於保險的相關問題,歡迎諮詢!


If you have more questions about insurance, feel free to contact us!



電話 Phone: 626-912-1988


Email: info@epiagroup.com



文章來源 (Source): https://www.policygenius.com/health-insurance/what-is-a-health-insurance-subsidy/


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