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Index/Topics/Cost-Sharing Reductions

Cost-Sharing Reductions

The program that reduces out-of-pocket costs for eligible enrollees, paid in advance to qualified health plan (QHP) issuers.

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Jan 23, 2026
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How are ACA premium tax credits and cost-sharing reductions calculated using % of FPL in 2025?

The (PTC) is calculated by capping the enrollee’s required contribution to a “benchmark” plan as a percentage of household income measured against the federal poverty level (FPL), then paying the rema...

Jan 31, 2026
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How do advance premium tax credits interact with cost-sharing reductions and employer-sponsored coverage in 2026?

Advance premium tax credits () in 2026 continue to lower monthly Marketplace premiums by having the Marketplace pay part of a policyholder’s premium to the insurer in advance, but eligibility and doll...