Find a plan.
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Call our agency partners 866-553-3223

Featured

Featured
13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
6 lessons Mary Lou Retton’s health scare can teach us about coverage
Mary Lou Retton’s health scare story included some important lessons for consumers, many of whom may assume that the celebrity’s health scare is a sign of barriers to affordable health coverage.
Call our agency partners 866-553-3223

cost-sharing subsidy

What is a cost-sharing subsidy?

A cost-sharing subsidy – also known as a cost-sharing reduction (CSR) – is a provision of the Affordable Care Act that allows people with modest incomes (up to 250% of the prior year’s federal poverty level), to enroll in Silver-level health plans that have more robust benefits than a normal Silver plan.

The federal government used to pay insurers directly for the cost of providing cost-sharing subsidies, but that ended in late 2017. Since then, insurers have added the cost of this benefit to the premiums they charge, but they mostly add it only to the cost of Silver plans. This results in larger premium subsidies (which most enrollees receive) and has made coverage more affordable for most people in most areas.

Read more about CSRs.

Related articles

Obamacare's open enrollment was extended to January 15 in most states. Here's why you might want to enroll in a 2022 plan by December 15 anyway.

Legislation signed today provides substantial premium tax credits and cost-sharing reductions to Americans receiving unemployment benefits.

How the Affordable Care Act's subsidies are calculated, and who is eligible to receive them under the American Rescue Plan. 

Open enrollment for 2022 ACA health coverage started nationwide on November 1. In most states, it will end on January 15, 2022.

Sweeping health reform legislation delivered a long list of provisions focused on health insurance affordability, consumer protections.