On the page about subsidies, I found this:
A subsidy (cost assistance) lowers the amount you spend on your monthly premium (via advanced premium tax credits) or reduces your out-of-pocket costs for things like copays, coinsurance, deductibles and out-of-pocket maximum (cost sharing reduction).
Subsidies for out-of-pocket costs? Did I know that? A little later, the page says:
Those making less than 250% FPL can get subsidies to lower out-of-pocket costs.
And a little later:
In order to receive out-of-pocket assistance (AKA cost sharing reduction subsidies), you must buy a Silver plan from the state exchange and an individual or family must have incomes no more than 250 percent of the Federal Poverty Line.
Note that in order to receive “out-of-pocket assistance”, one must buy a Silver policy and one must buy if from a State exchange. Of course, this page also says that premium support subsidies are only available if one buys from a State exchange and the Administration is doing its best to make that restriction no longer operative.
I haven’t heard about this type of subsidy but I did find a Kaiser Health News write-up on it and apparently it’s for real for State exchanges.
You learn something new every day.