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Cost-sharing reductions (CSRs) under Affordable Care Act (ACA)

The Affordable Care Act (ACA) mechanism that lowered out-of-pocket costs for lower-income enrollees who selected Silver plans on the ACA marketplaces.

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Jan 15, 2026
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How did cost-sharing reductions (CSRs) work under the ACA prior to the COVID-19 emergency?

Cost‑sharing reductions (CSRs) were an Affordable Care Act (ACA) mechanism that lowered out‑of‑pocket costs — deductibles, copays and coinsurance — for lower‑income enrollees who selected Silver plans...