Turns out that health insurance purchased on the federal marketplace can be dirt-cheap if the government is chipping in through tax credits. The average monthly premium for someone on any plan with tax credits falls to $82 from $346 after those credits kick in, according to a report released Wednesday by the Department of Health and Human Services. That’s an average decrease of 76 percent thanks to the government.

Tax credits are provided to people whose projected household income falls between 100 percent and 400 percent of the federal poverty line. At the low end in 2013, that would have been a single adult making $11,490 per year and at the high end $45,960. Particularly for those lower on the income ladder, these credits can equal hundreds of dollars a month toward a health insurance premium.

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