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Index/Topics/Silver Loading

Silver Loading

The practice of insurers charging higher Silver premiums due to the federal government stopping direct funding of cost-sharing reductions.

Fact-Checks

3 results
Feb 7, 2026

How do the 2025 enhanced ACA subsidies calculate eligibility for married couples filing jointly?

The “enhanced” premium tax credits were computed off a couple’s joint modified adjusted gross income (MAGI) compared to the federal poverty level (FPL) for the prior year, and the credit equals the di...

Jan 30, 2026

Are cost-sharing reductions (CSRs) still funded for 2026 marketplace plans?

(CSRs are not being universally and automatically funded by the federal government for the 2026 plan year in the same way some earlier proposals sought to restore; insurers and marketplaces went into ...

Jan 6, 2026

Can households above 400% FPL get cost-sharing reductions or other ACA savings besides premium tax credits?

Households with incomes above 400% of the federal poverty level (FPL) are not eligible for cost‑sharing reductions (CSRs), which are expressly limited to low‑ and moderate‑income enrollees who choose ...

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