First, enrollees must be enrolled in a silver-tier plan—one of the most common exchange plans in which insurers cover 70% of benefit costs, and enrollees pay 30%. Cost-sharing reductions then automatically apply to those who earn between 100% and 250% of the federal poverty level. Individuals who make $11,670-$29,175 annually and families of four who make $23,850-$59,625 fall in that range. For the poorest, or those within 100% and 150% of poverty, they only have to pay 6% out of pocket for healthcare services thanks to cost-sharing subsidies, compared to the standard 30%.