State RegulationsTX specificDifficulty 1/5
Under ACA Section 1402, an otherwise eligible Marketplace enrollee must be enrolled in a qualified health plan at which metal level in order to receive cost-sharing reductions?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under ACA Section 1402, cost-sharing reductions are available only to an eligible enrollee who is enrolled in a silver-level qualified health plan. Bronze, gold, and platinum plans do not carry reduced cost sharing. The practical consequence for a Texas agent is that a client who wants lower deductibles and copayments through cost-sharing reductions must be placed in a silver plan; promising those reductions on a bronze plan would be a misrepresentation.
Why the other options are wrong
- A) Bronze plans do not provide cost-sharing reductions. Choosing bronze means accepting the plan's full cost sharing.
- C) Gold plans have richer benefits but do not come with cost-sharing reductions under ACA Section 1402.
- D) Platinum plans likewise do not carry cost-sharing reductions. Only the silver level is tied to that assistance.
Memory hook
Cost-sharing reductions live on silver plans only.