1. DON'T DELAY! GET COVERED SOONER RATHER THAN LATER!
1. DON'T DELAY! GET COVERED SOONER RATHER THAN LATER!
youtube.com/shorts/ti5Fm...
youtube.com/shorts/ti5Fm...
It's vital to understand the FEDERAL POVERTY LEVEL (FPL), since that's critical for eligibility for Advance Premium Tax Credits (APTC), Cost Sharing Reduction (CSR) assistance & Medicaid Expansion.
It's vital to understand the FEDERAL POVERTY LEVEL (FPL), since that's critical for eligibility for Advance Premium Tax Credits (APTC), Cost Sharing Reduction (CSR) assistance & Medicaid Expansion.
APTC reduces your *premiums,* but CSR assistance dramatically reduces your DEDUCTIBLES, CO-PAYS and COINSURANCE costs.
APTC reduces your *premiums,* but CSR assistance dramatically reduces your DEDUCTIBLES, CO-PAYS and COINSURANCE costs.
In 2027, this list is gonna get longer yet.
In 2027, this list is gonna get longer yet.
In Medicaid expansion states, you're eligible for Medicaid up to 138% FPL; for APTC & CSR from 138 - 250% FPL & for APTC only from 250 - 400% FPL.
In Medicaid expansion states, you're eligible for Medicaid up to 138% FPL; for APTC & CSR from 138 - 250% FPL & for APTC only from 250 - 400% FPL.
This is called the "Medicaid Gap."
This is called the "Medicaid Gap."
This is called its "Actuarial Value."
CSR assistance, however, turns a Silver plan into "Secret Platinum" by dramatically raising the AV to ~94%, ~87% or ~73%!
This is called its "Actuarial Value."
CSR assistance, however, turns a Silver plan into "Secret Platinum" by dramatically raising the AV to ~94%, ~87% or ~73%!
No more treating CSR as a compliance box-ticking exercise.
The era of vague commitments is ending.
No more treating CSR as a compliance box-ticking exercise.
The era of vague commitments is ending.
To explain: In addition to PREMIUM tax credits, you may recall I mentioned "Cost Sharing Reduction" or CSR assistance upthread.
To explain: In addition to PREMIUM tax credits, you may recall I mentioned "Cost Sharing Reduction" or CSR assistance upthread.
For a BRONZE or GOLD plan, at $23,000 income they would still get the tax credit savings, but the deductible & MOOP would be much higher.
For a BRONZE or GOLD plan, at $23,000 income they would still get the tax credit savings, but the deductible & MOOP would be much higher.
https://www.stocktitan.net/news/CSR/centerspace-reports-third-quarter-2026-financial-operating-fu3cur4pu7tn.html?utm_source=stocktitan-bluesky&utm_medium=social
https://www.stocktitan.net/news/CSR/centerspace-reports-third-quarter-2026-financial-operating-fu3cur4pu7tn.html?utm_source=stocktitan-bluesky&utm_medium=social