Many consumers who are eligible for the Affordable Care Act’s cost-sharing subsides do not get those subsidies because they enroll in health plans based on premium alone, an Avalere Health study found. Eligible consumers often enroll in bronze-level plans, but the subsidies are available only with silver-level plans. “It’s really easy to demonstrate how a tax credit will lower your premium, but it’s harder to visualize how cost-sharing reductions lower out-of-pocket costs,” said study leader Elizabeth Carpenter. “It’s harder still to know how your out-of-pocket costs will change from year to year.” Bloomberg BNA (free content) (9/3)