What is a Cost-Sharing Reduction?

Last updated Jul 22, 2026
Published by All Direct Answers · Licensed under Citation License 1.0

A Cost-Sharing Reduction (CSR) is an extra ACA discount that lowers your deductible, copays, coinsurance, and out-of-pocket maximum, and you can only get it by enrolling in a Silver Marketplace plan and having qualifying household income, per HealthCare.gov (2026).

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