Cost-Sharing Reductions (CSR)

Subsidies designed to lower the amount you pay when you receive care by reducing the out-of-pocket costs such as copays, deductibles and coinsurance for covered healthcare services, as well as the out-of-pocket maximum. Unlike Premium Tax Credits, which apply to all plans if you qualify, Cost-Sharing Reductions can only be used on Silver level plans. Whether or not you qualify for this financial help depends on factors including your family size and estimated annual household income for the year the insurance will be in effect. (Note: Despite all the noise, this subsidy, in addition to Premium Tax Credits, is still available to customers who qualify and purchase health insurance plans in 2018.)

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