I understand that cost sharing reductions reduce out-of-pocket maximums and that only silver plans can have cost sharing reductions, but do ALL silver plans have cost sharing reductions? If not, how can I find out which ones do?


All Silver plans offered on the Health Insurance Marketplace offer cost sharing reduction subsidy options. The amount of reduction you qualify for is based on your projected income. Cost sharing subsidies don't have to be repaid if income changes (unlike Premium Tax Credits). The Health Insurance Marketplace refers to HealthCare.Gov and all state Marketplaces.

You can learn more about Cost Sharing Reduction subsidies here.

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