ACA 2: Subsidies and Health Plan Options

This session dives into the financial assistance available through the ACA, including the Advance Premium Tax Credit (APTC) and Cost-Sharing Reductions (CSR), and how these subsidies are calculated using MAGI. Agents will learn how to estimate a client’s eligibility and apply these benefits to reduce monthly premiums and out-of-pocket costs. The session also covers the different types of health plans available through the Marketplace, including the metal tiers (Bronze, Silver, Gold, and Platinum), and how to help clients choose plans based on their health needs, financial situation, and expected usage. Agents will leave with practical tools to explain plan options clearly and align clients with the right coverage.