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How about just getting a 100 amp main breaker of the same frame style and swap out the 200 with the 100. Keep the 200 for in the future.
 
I have a 100 Amp Service and do not want to upgrade to 200 amps at this time. I may upgrade in the future to 200 amp. Can I install a panel with a 200 amp main and not use the 200 amp main breaker? I would install a 100 amp breaker and use that as the main for the panel.

This is an interesting design concept, If someone asked me this question I would have to say, unless you removed the 200 A main breaker and replace it with the proposed 100 A breaker then would I hesitantly say ok. Keep in mind If the original 200 A stayed in place which then feeds the bussing where the 100 Amp breaker resides then the distribution portion could still crank up the 200 A amp potential if planned or not, Utilities may not be equipped at the residence for the addition potential load. It almost sounds like you need the distribution of a 200 Amp Panel and not necessarily the actual additional power.

Just add a 100 Amp Sub Panel off the back of the original 100 Amp main panel, now you have more space, keeping in mind you still only have the
origional 100 A x 240V =( 24,000 Watts) to work with.

Just a thougt ..
 
This is an interesting design concept, If someone asked me this question I would have to say, unless you removed the 200 A main breaker and replace it with the proposed 100 A breaker then would I hesitantly say ok. Keep in mind If the original 200 A stayed in place which then feeds the bussing where the 100 Amp breaker resides then the distribution portion could still crank up the 200 A amp potential if planned or not, Utilities may not be equipped at the residence for the addition potential load. It almost sounds like you need the distribution of a 200 Amp Panel and not necessarily the actual additional power.

Just add a 100 Amp Sub Panel off the back of the original 100 Amp main panel, now you have more space, keeping in mind you still only have the
origional 100 A x 240V =( 24,000 Watts) to work with.

Just a thougt ..
I believe he is backfeeding a 100 amp breaker as the main, it will still limit load to 100 amps before it enters it's trip curve. the 200 is basically a spare breaker that sees no current.

A person could supply a 100 amp subfeed off the 200, and if ever upgrading the service conductors to 200 amps you just swap that feeder over to the previous 100 amp main.
 
Does the manufacturer supply closure plugs for main breakers?
I believe they do make one but I would probably ask the inspector if you need to first. I don't know of anything that says you can't feed a larger panel with a smaller sized service. The 100 amp breaker limits the current to 100 amps so the other panel having a 200 amp breaker is irrelevant. Maybe when you label where the panel is fed from you could label it as "Panel is fed with 100 amp breaker. Breaker number x in x location".
 
Repeating: In general there is no code issue with a 100A _feeder_ landing on a 200A main breaker in a panel. The 200A breaker will essentially function as a switch (although it _might_ trip before the 100A breaker feeding it).

It might confuse someone to see that '200A' number on the switch in a panel with a 100A feed, but this is not a code issue.

If rather than a feeder this is a service, then you need to have a 100A breaker _somewhere_ to protect the service conductors. There are several ways to provide this.

-Jon
 
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