The majority of ACA plans are subsidized by the federal or state government — meaning your monthly payment could be as low as $0 if you meet certain income levels.

 A cost-sharing reduction (CSR) is a provision of the Affordable Care Act (ACA) that reduces out-of-pocket costs for eligible enrollees. CSRs are discounts that lower the amount you have to pay for deductibles, copayments, and coinsurance. They are available with certain health plans.

Bronze plans: Have the lowest monthly premiums, but more out-of-pocket costs when you use care

Silver plans: Have somewhat lower cost sharing than bronze plans

Gold plans: Have higher monthly payments, but lower out-of-pocket costs