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What is a zero cost sharing plan?

A zero cost sharing plan is available to members of federally recognized tribes and ANCSA Corporation shareholders with income between 100% and 300% of the federal poverty level who qualify for premium tax credits. Enrollees pay no copays, deductibles, or coinsurance in certain cases.

Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.

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Zero cost sharing plan: the facts

ItemFactSource
Income range100% to 300% of the federal poverty levelHealthCare.gov glossary: Zero cost sharing plan

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What does zero cost sharing plan mean in health insurance?
A zero cost sharing plan is available to members of federally recognized tribes and ANCSA Corporation shareholders with income between 100% and 300% of the federal poverty level who qualify for premium tax credits. Enrollees pay no copays, deductibles, or coinsurance in certain cases.

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