No. Unlike premium tax credits, which are reconciled each year based on the income you actually earned, cost-sharing reductions are not reconciled.

It depends on your household income and where you live. To give a general idea, a typical Silver plan might have an annual out-of-pocket maximum on all cost sharing of $10,600 in 2026. But if your income is between 100% and 150% of the federal poverty level ($15,650 to $23,475 annually for a single individual in 2026), the cost-sharing reductions will modify a Silver plan so that the annual out-of-pocket maximum on all cost sharing…

No. You can only get cost-sharing reductions by enrolling in a Silver Marketplace plan. You will not receive cost-sharing reductions if you enroll in a Bronze, Gold, or Platinum plan. Note that this is different from the rule for premium tax credits. You can apply premium tax credits to all four types of plans.

Yes. If your household income is between 100% and 250% of the federal poverty level ($15,650 to $39,125 annually for a single person in 2026, or $32,150 to $80,375 for a family of four), you can qualify for cost-sharing reductions if you choose a Silver plan. These will reduce the deductibles, copays, and other cost sharing that would otherwise apply to covered services.