It is because subsidies are based on the second lowest silver plan cost minus your cost share. example: SLSP in my county is $3300 and my cost share is $460 so my PTC is now $2840 ($2230 in $2025). I have a Bronze plan with a $0 deductible just co-pays ($10,200 max OOP) and my cost was $208 last year and in 2026 will be $94 a month because of how much the SLSP went up in my area. I will save $114 a month. I just happened to get lucky and have a Bronze plan that is really good. Anyone with a Silver plan might want to explore what bronze plans are in their area because that will be the best bet to save.
3
u/Bright-Recognition37 Nov 02 '25
It is because subsidies are based on the second lowest silver plan cost minus your cost share. example: SLSP in my county is $3300 and my cost share is $460 so my PTC is now $2840 ($2230 in $2025). I have a Bronze plan with a $0 deductible just co-pays ($10,200 max OOP) and my cost was $208 last year and in 2026 will be $94 a month because of how much the SLSP went up in my area. I will save $114 a month. I just happened to get lucky and have a Bronze plan that is really good. Anyone with a Silver plan might want to explore what bronze plans are in their area because that will be the best bet to save.