The Navigator Resource Guide has not been updated for 2025 Open Enrollment. For more current information please visit:
cms.gov/marketplace/in-person-assisters/information-partners.
QUESTION

Can I use the premium tax credit to reduce the cost of any Marketplace health plan?

Individuals with no coverage | How Premium Tax Credits And Cost-Sharing Reductions Work |
ANSWER

You can apply the premium tax credit to any bronze, silver, gold, or platinum plan offered through the Marketplace. Premium tax credits cannot be applied to catastrophic plans. If you are also eligible for cost-sharing reductions, be aware that these can only be obtained through silver plans offered in the Marketplace. (26 U.S.C. § 5000A(f); 42 U.S.C. § 18071; 26 C.F.R. § 1.36B-2.)

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues