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Please explain cost sharing reductions.
Cost sharing reductions (CSR) help people with their out-of-pocket costs such as deductibles, coinsurance and copayments. It is only available to people who enroll in in a silver plan. The issuers provide the extra help with out-of-pocket costs by covering more of the costs of covered benefits, hence increasing the actuarial value of a silver plan. As a result, the individual pays lower deductibles, coinsurance, and/or copayments.
There are three levels of savings available to people who qualify for a CSR. The level of savings is based on the family’s income. See table on page 18 in the Eligibility for Individuals and Families participant guide.
There may be a more recent answer to this question. Contact Claremont for an update.