CSR discounts apply only to which plan tier?

• A. Bronze
• B. Silver
• C. Gold
• D. Platinum

Answer: (B)

Cost-sharing reductions are adjustments to out-of-pocket costs (deductibles, copays, and coinsurance) that only apply to Silver plans in the Marketplace. These reductions are designed to boost the value of Silver plans for eligible enrollees, typically increasing the plan’s actuarial value to higher levels, depending on income. Because the benefit is tied to the Silver plan’s specific cost-sharing structure, it does not apply to Bronze, Gold, or Platinum plans. Premium subsidies (which reduce monthly premiums) are a separate form of assistance and can apply across plan types, but the cost-sharing reductions themselves are exclusive to Silver plans. That’s why the correct choice is Silver.