ACA Silver Plan CSR 94, 87 & 73 Guide

Actuarial values · Copay & deductible discounts · Up to 250% FPL

Household & Coverage Info

Estimated Subsidy & Premium

Estimated Monthly Subsidy (Tax Credit)
$833 / mo
Annual Subsidy Savings: $9,990
Federal Poverty Level (FPL): 186% FPL ($20,440 base)
Benchmark Silver Plan Premium: $878 / mo
Your Expected Monthly Contribution: $45 / mo
Net Out-of-Pocket Payment: $45 / mo
Required Income Contribution Rate: 1.44% of Income
Cost-Sharing Reductions (CSR): Eligible for Silver 87 CSR plan with significantly lower deductibles and copays.

Cost-Sharing Reductions (CSR): Lower Deductibles on Silver Plans

Cost-Sharing Reductions under ACA Section 1402 are federal discounts that slash out-of-pocket healthcare costs such as deductibles, copayments, and maximum out-of-pocket limits when you select an on-exchange Silver tier plan.

Income % FPL Cap % Subsidy Net Silver
$30,660 150% 0.00% $878 $0
$40,880 200% 2.00% $810 $68
$51,100 250% 4.00% $708 $170
$61,320 300% 6.00% $571 $307
$81,760 400% 8.50% $299 $579
$102,200 500% 8.50% $154 $724

🏛️ Statutory Section 36B & ACA Checkpoints

  • Silver 94 CSR (100%–150% FPL): Raises Actuarial Value to 94%, reducing typical individual deductibles from $5,000+ down to $0–$200.
  • Silver 87 CSR (150%–200% FPL): Raises Actuarial Value to 87%, lowering deductibles to roughly $700–$1,000 with low office visit copays.
  • Silver 73 CSR (200%–250% FPL): Moderate deductible discounts (Actuarial Value 73%) before standard Silver 70 applies above 250% FPL.

ACA Subsidy Scenarios & Resource Guides

📊 ACA Subsidy Scenarios by Income & Household Size

📌 Early Retiree, FPL Thresholds & Silver CSR Guides

How the ACA Subsidy Works

1

Determine FPL Tier

Your income is compared to the Federal Poverty Guidelines to find your exact FPL percentage.

2

Cap Contribution

Federal law caps your health insurance cost to between 0% and 8.5% of your household income.

3

Apply Tax Credit

The difference between the benchmark plan cost and your capped contribution is paid as a subsidy.

Frequently Asked Questions

What is the difference between an ACA premium subsidy and CSR?

Premium Tax Credits reduce the monthly cost to buy insurance, whereas Cost-Sharing Reductions (CSR) lower what you pay out-of-pocket when you visit doctors, buy medications, or stay in a hospital.

Do Cost-Sharing Reductions apply to Bronze or Gold plans?

No. By law (ACA Section 1402), CSR benefits are exclusively attached to Silver tier plans. Enrolling in Bronze or Gold forfeits these deductible discounts.

How do I qualify for the highest Silver 94 CSR plan?

You qualify for Silver 94 CSR if your household Modified Adjusted Gross Income is between 100% and 150% of the Federal Poverty Level ($15,060 to $22,590 for an individual).