Cost-sharing reductions lower the deductible, copays, and out-of-pocket maximum for eligible lower-income enrollees who pick a Silver Marketplace plan. They apply on top of premium tax credits and are not available with employer coverage.
Yes. Eligible marketplace enrollees can get both; the premium tax credit lowers the monthly premium and cost-sharing reductions lower deductibles and copays, but the cost-sharing help applies only to Silver plans.
Premium tax credits lower your monthly premium; cost-sharing reductions lower what you pay at the doctor (deductibles, copays, out-of-pocket max). CSRs apply only to Silver plans.
Cost-sharing reductions lower your deductibles, copays, and out-of-pocket maximum, but only on Silver marketplace plans and only for enrollees under a household-income threshold.