The SRP was intended to encourage young adults to enroll, but when full-year premium costs for even the cheapest plans are typically $2,400 or higher, most are choosing the cheaper route of paying the penalty. It was also believed that the added financial protection of the risk corridor would encourage new entrants, thus promoting competition that would keep premium inflation in check. The APTC is a subsidy available to consumers earning between 100% and 400% of the federal poverty level that helps lower your out-of-pocket monthly premium costs.