I am concerned about the amount I have to pay out-of-pocket before my deductible begins. Is there anything I can do to reduce the amount of my deductible?

Yes, based on your income you may eligible for what is known as Cost Sharing Reductions.  If you earn less than 250% of the federal poverty level you may be eligible to have your deductibles and co-payments reduced, BUT only if you apply for a plan through the state exchanges or healthcare.gov, AND only if you buy a “Silver” plan.

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