If approved for a CSR, what metal level health plan must the consumer enroll in to take advantage of the approved CSR?

To take advantage of a Cost-Sharing Reduction (CSR), a consumer must enroll in a silver metal level health plan. This requirement stems from the structure of health insurance plans offered through the Marketplace.

The silver level plans are specifically designed to accommodate the additional financial assistance that comes with CSRs, which reduce out-of-pocket costs like deductibles and co-payments for eligible individuals. While other metal levels, such as bronze, gold, or platinum, offer varying degrees of coverage and cost-sharing, they do not qualify for CSRs.

The CSR is calculated based on the benefits offered in the silver plan's structure, allowing consumers who qualify for this assistance to receive lower costs when they seek care. Therefore, enrolling in a silver plan ensures that consumers can fully utilize the benefits provided by their CSR approval. This makes silver the only option for accessing the reduced financial burdens associated with health care services in the manner intended by the CSR program.