Skip to content | Skip to navigation

Home > Coverage Options > Individual and Family Plans > BlueSelect: Cost Assistance

Cost Assistance

Cost assistance, also known as government subsidies, may be available when you enroll in one of our plans. There are two kinds of cost assistance. Based upon your household size and yearly household income, you may qualify for one or both:

  • Cost assistance to help pay your monthly premium
  • Cost assistance to reduce your out-of-pocket costs for deductibles, coinsurance and copayments
Close

What are “out-of-pocket costs?”

These are any expenses you pay out of your pocket for your healthcare services, including the deductibles, coinsurance and copayment (or copay) amounts. The monthly premium you pay to purchase your plan is not considered part of your out-of-pocket costs.

Deductibles: The specific dollar amount you pay for covered services before BCBSWY begins to pay.

Coinsurance: A percentage of the cost you pay for the covered service after you have met your deductible.

Copayment (or copay): The fixed amount you pay for covered services, usually at the time you receive care.

Number of people in your household
  1 2 3 4 5 6 7 8
You may qualify for cost assistance to help pay your monthly premium if your yearly household income is between…
$11,880 -
$47,520

$16,020 -
$64,080

$20,160 -
$80,640

$24,300 -
$97,200

$28,440 -
$113,760

$32,580 -
$130,320

$36,730 -
$146,920

$40,890 -
$163,560
You may qualify for cost assistance to help pay your monthly premium AND reduce your out-of-pocket costs if your yearly household income is between…

$11,880 -
$29,700


$16,020 -
$40,050


$20,160 -
$50,400


$24,300 -
$60,750


$28,440 -
$71,100


$32,580 -
$81,450


$36,730 -
$91,825


$40,890 -
$102,225
The income ranges shown here are based on 2016 numbers and may be slightly different in 2017.
  • Cost assistance will be determined by the Health Insurance Marketplace at the time of enrollment.
  • Cost assistance to help pay your monthly premium may be applied to any of our Gold, Silver or Bronze plans.
  • Cost assistance to reduce your out-of-pocket costs may be applied to any one of our Silver plans. Refer to the following guidelines to see how your out-of-pocket costs might be reduced.

           Silver94       Silver87       Silver73

  • To help determine if you might qualify for cost assistance, estimate your 2017 income using your household’s adjusted gross income or add up the following items for all the people in your household:
    • Wages, salaries, tips
    • Net income from any self-employment or business
    • Unemployment compensation
    • Social Security payments
    • Other income: rental income, interest, dividends, capital gains, annuities, alimony, and some retirement and pensions.
  • If you are a Native Tribe Member, please ask us about plan options and cost assistance available to you under the Affordable Care Act.

Questions?
We're here to help.

800-851-2227
Monday – Friday 8 a.m. – 5 p.m.

Explore:
URAC accredited health plan with health insurance marketplace