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Cost sharing reduction (CSR)

A discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance. In the Health Insurance Marketplaceยฎ, cost-sharing reductions are often called โ€œextra savings.โ€ If you qualify, you must enroll in a plan in the Silver category to get the extra savings.
  • When you fill out a Marketplace application, youโ€™ll find out if you qualify for premium tax credits and extra savings. You can use a
    for a plan in any metal category. But if you qualify for extra savings too, youโ€™ll get those savings only if you pick a Silver plan.
  • If you qualify for cost-sharing reductions, you also have a lower out-of-pocket maximum โ€” the total amount youโ€™d have to pay for covered medical services per year. When you reach your out-of-pocket maximum, your insurance plan covers 100% of all covered services.
  • If you're a member of a federally recognized tribe or an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder, you may qualify for additional cost-sharing reductions.