Silver Plan Cost-Sharing Reduction (CSR) Calculator
Find out if your income qualifies you for enhanced Silver plans with lower deductibles, copays, and out-of-pocket maximums — at no extra cost.
What are Cost-Sharing Reductions?
Cost-Sharing Reductions (CSRs) are a federal benefit that automatically reduces your out-of-pocket costs — deductibles, copays, and out-of-pocket maximums — when you select a Silver plan through Healthcare.gov or your state marketplace. CSRs are only available on Silver plans. If you qualify for CSR but choose a Gold or Bronze plan, you lose this benefit.
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2025 FPL for 1 person: $15,060
Include all household members' income (wages, self-employment, Social Security, etc.)
Frequently Asked Questions
What is actuarial value and why does it matter?
Actuarial value (AV) represents the percentage of total health costs the plan pays for a typical enrollee. A 94% AV Silver plan pays 94% of covered costs on average, leaving you responsible for just 6% — versus 30% on a standard Silver plan. Higher AV = lower out-of-pocket costs.
Do I have to do anything extra to get CSR?
No. CSR is automatic. When you apply through Healthcare.gov or your state marketplace and select a Silver plan, the system determines your CSR eligibility based on your income and automatically applies the appropriate cost-sharing reduction. There's no separate application.
Can I get CSR and a Premium Tax Credit at the same time?
Yes. If your income is between 100–250% FPL, you likely qualify for both CSR and Premium Tax Credits (APTC). APTC reduces your monthly premium; CSR reduces what you pay when you actually use care (deductibles, copays, MOOP). Together, they make Silver plans exceptionally valuable at lower incomes.
What if I pick a Gold plan — can't I still get CSR?
No. CSR is only available on Silver plans purchased through the marketplace. If you choose Gold, Bronze, or any other metal tier — even if your income qualifies for CSR — you will receive no cost-sharing reductions. For incomes 100–200% FPL especially, a CSR Silver plan nearly always beats a Gold plan.
Does CSR change if my income changes during the year?
You should report income changes to the marketplace promptly. If your income rises above 250% FPL during the year, your CSR tier doesn't change mid-year — changes typically take effect the following month after reporting. If you underestimate income, you may owe back some APTC at tax time, but CSR itself is not repaid.