Cost Sharing Reductions (CSRs) are savings that reduce the cost of copays, coinsurance and deductibles.

The savings you might get from a CSR benefit are different than those you might get from other subsidies like premium tax credits (APTCs).

First, CSRs are only available for those enrolled in a Silver tier plan (see Metal Tiers).

Second, APTCs change the cost of your premium, but the coverage available through your plan doesn't change. CSRs effectively make your plan offer more generous coverage: lower deductibles, copays and coinsurance.

Many people qualify for both APTCs and CSRs, meaning lower premiums each month, plus cheaper care when you need it.

Is it worth applying for a Silver plan in order to qualify for CSRs?

While there’s no one answer that applies to everyone, we find that for most people who are eligible for CSRs, Silver plans are the way to go. CSRs can lower your deductible by a lot, meaning your coverage kicks in much sooner than it would with a Bronze plan, or even sometimes with a Gold plan.

Still not sure which plan to pick? Catch support is here to help!