Nope! You can enroll in any plan – bronze, silver, or gold – and apply the amount of advance premium tax credits (APTC) you qualify for to the plan of your choice. The American Rescue Plan calculates the amount of the reduction using the cost of the second lowest cost silver plan, your income, and your age to determine how much APTC you qualify for. Please note, if you enroll in a different plan from the benchmark plan in your area, you may see a different premium amount.