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

If I underestimate my income and end up earning more than 250 percent of the federal poverty level next year, will I have to pay back the cost-sharing subsidies?

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

No. Unlike premium tax credits, which are reconciled each year based on the income you actually earned, cost-sharing reductions are not reconciled. (42 U.S.C. § 18071.)

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