Final 2025 Open Enrollment Report: Household Income (100 - 200% FPL)

Turning to the 100 - 200% FPL range (and ignoring Medicaid expansion), 63% of all exchange enrollees fall into this income range (up from 61% last year).

That's over 15.2 million people total, and with extremely rare exceptions, just about every one of them should be enrolled in a Silver CSR plan, aka "Secret Platinum", since the extremely generous Cost Sharing Reduction (CSR) assistance in the 100 - 200% FPL range turns Silver plans (which normally have a ~70% Actuarial Value) into either an 87% or 94% AV plan...effectively Platinum (90% AV)).

In layman's terms, High CSR Silver plans have either free or extremely low premiums along with extremely low deductibles & co-pays.

Unfortunately, only 13.7 million enrollees chose Silver this year...and even then, not all of those are in the 100 - 200% FPL range, which means there's quite a few who are in that income range who didn't choose Silver. In most cases these folks are leaving hundreds or thousands of dollars in financial assistance on the table!

...at least this year, that is. IRA subsidies expiring will likely change the math for the worse for most of these folks next year.