9e942839_ions___Medica_Reform_Resources__nce_Premium_Tax_Credits__APTC_
[0] Is it flexible? [Cost-Sharing Reductions (CSR)] No. The cost-sharing reductions are only available to people who enroll in a silver plan through a health insurance marketplace. A person may not apply the cost-sharing reduction amount to any other plan available inside or outside the marketplace.
Yes. The amount of the APTC is determined based on the cost of the benchmark plan (the second-lowest-cost silver plan in the marketplace), but can be applied to any plan in the health insurance exchange or marketplace, except catastrophic plans. In this way, a person could “buy up” to a gold plan, but still apply the APTC toward the premium. The amount of the APTC can meet, but not exceed, the premium cost of the person’s health plan.
Comparing Premium Tax Credits to Cost-Sharing Reductions | Medica Reform Resources
Advance Premium Tax Credits (APTC)