CSR Cost-Sharing Reduction Calculator 2025
Find your CSR tier, see your estimated deductible and max out-of-pocket, and discover how much a Silver plan could save you.
Cost-Sharing Reductions (CSRs) are ACA subsidies that lower your deductibles, copays, and annual out-of-pocket maximum â but only if you enroll in a Silver plan. Eligibility is based on household income between 100%â250% of the Federal Poverty Level (FPL). The lower your income, the better the coverage.
Enter Your Information
Use Modified Adjusted Gross Income (MAGI) â wages, self-employment, Social Security, and most other taxable income.
2025 FPL for 2 people: $21,150
CSR eligibility is the same nationwide. State affects your actual Silver plan premiums and APTC.
Age affects your Silver plan premium but not your CSR tier.
2025 CSR Tier Reference
CSR subsidies are only available on Silver plans. Your tier depends on your income as a percentage of the Federal Poverty Level.
| Plan | Income Range | Act. Value | Deductible | MOOP |
|---|---|---|---|---|
| Silver 94 â Best CSR | 100â150% FPL | 94% | ~$75 | ~$1,800 |
| Silver 87 | 150â200% FPL | 87% | ~$300 | ~$2,900 |
| Silver 73 | 200â250% FPL | 73% | ~$800 | ~$5,200 |
| Standard Silver (No CSR) | 250%+ FPL | 70% | ~$1,500 | ~$9,100 |
Deductibles and MOOPs are typical estimates. Actual amounts vary by insurer and plan. Always verify on HealthCare.gov.
2025 FPL & CSR Cutoffs by Household Size
| Size | 100% FPL | 150% FPL | 200% FPL | 250% FPL |
|---|---|---|---|---|
| 1 person | $15,650 | $23,475 | $31,300 | $39,125 |
| 2 people | $21,150 | $31,725 | $42,300 | $52,875 |
| 3 people | $26,650 | $39,975 | $53,300 | $66,625 |
| 4 people | $32,150 | $48,225 | $64,300 | $80,375 |
| 5 people | $37,650 | $56,475 | $75,300 | $94,125 |
| 6 people | $43,150 | $64,725 | $86,300 | $107,875 |
| 7 people | $48,650 | $72,975 | $97,300 | $121,625 |
| 8 people | $54,150 | $81,225 | $108,300 | $135,375 |
CSR eligibility ends at 250% FPL. Above this threshold, only standard Silver 70 plans are available.
Frequently Asked Questions
What is a Cost-Sharing Reduction (CSR)?
A CSR is an ACA subsidy that reduces what you pay when you use healthcare â including your deductible, copays, coinsurance, and annual out-of-pocket maximum. Unlike the APTC which lowers your monthly premium, CSRs reduce your costs at the point of care. They're only available on Silver plans for households earning 100%â250% of the Federal Poverty Level.
Why must I pick a Silver plan to get CSR?
Congress wrote the CSR law to apply only to Silver plans. Insurers are required to offer enhanced Silver variants (Silver 94, Silver 87, Silver 73) to eligible enrollees. If you choose Gold, Bronze, or Catastrophic, you'll miss out on the enhanced cost-sharing â even if your income qualifies.
Can I get both CSR and APTC?
Yes! In fact, a Silver plan is the optimal choice if you qualify for both. Your APTC reduces your monthly premium; your CSR reduces your deductible and MOOP. You'll get both benefits automatically when you enroll in a Silver plan through the Marketplace and report your income.
What does actuarial value mean?
Actuarial value (AV) is the share of total covered healthcare costs the plan pays for an average enrollee over a year. A Silver 94 plan pays 94% of costs â you pay only 6%. A standard Silver 70 plan pays 70%, leaving you to cover 30%. Higher AV = better coverage = lower costs when you actually use healthcare.
Are CSRs available in 2025 and beyond?
Yes. CSRs are a permanent feature of the ACA with no sunset date or congressional reauthorization required. They are available every year to eligible enrollees who select a Silver plan. This differs from the enhanced APTC (no income cap), which has required periodic reauthorization.
What if my income changes and I move into a different CSR tier?
Report income changes to your Marketplace as soon as possible. If you move from one CSR tier to another mid-year, your insurer will update your plan's cost-sharing accordingly. Year-end reconciliation on Form 8962 handles APTC adjustments; CSR adjustments are made in real-time by the insurer.
Disclaimer: This calculator provides estimates only. Actual deductibles, out-of-pocket maximums, copays, and coinsurance vary by insurer, plan, and state. CSR eligibility depends on your final household income and enrollment in a qualifying Silver plan. Visit HealthCare.gov or consult a licensed insurance broker for personalized guidance.
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