At lower incomes, enrollees have lower out-of-pocket limits and deductibles Median out-of-pocket (OOP) limits and median deductible in states that use.

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At lower incomes, enrollees have lower out-of-pocket limits and deductibles Median out-of-pocket (OOP) limits and median deductible in states that use HealthCare.gov Without cost-sharing reductions With cost-sharing reductions Out-of-pocket limit Deductible Annual income Notes: Second-lowest-cost silver plans for 2016; 40-year-old male nonsmoker; largest city in state. The median includes 36 states that use the HealthCare.gov platform, excluding Alaska and Hawaii for the $17,000 category; 37 states that use the HealthCare.gov platform for the $20,000 category; and the 38 states that use the HealthCare.gov platform for the $25,000 and $35,000 categories. Source: HealthCare.gov.