Cost Share Reduction

What is Cost Share Reduction?

Cost Share Reduction (CSR) is an additional savings component available with Silver level plans. For qualifying members, enrolling in a Silver plan with CSR reduces their deductible and max out of pocket. There are three levels of CSR: 94% AV, 87% AV, and 73% AV. AV, or actuarial value, refers to the average percentage of total health care costs covered  by the insurance company. For example, a member with 94% CSR will typically pay around 6% of health care costs compared to a standard enrollee. (This is an average and does not guarantee a specific amount.)

What does a level change mean for me?

Qualifying for CSR is based on the estimated MAGI listed on your application. The thresholds for qualification change each year. A member may have qualified for 94% CSR for 2025, but for 2026 (even without a MAGI change), they may only qualify for 87% CSR. Despite this level change, all CSR plans have a reduced deductible and max out of pocket, and this may still be the best plan for you.

How do I estimate my MAGI?

It is important to work with a tax professional to determine an accurate estimate. (We are unable to advise on this in any way.) Connect for Health has been requiring income verification and members must upload proof of their income. Please be prepared to provide this when requested.

How do I review other options?

The best place to start is with the Connect for Health estimate and explore tool. The tool is very simple to use and members can compare plan options with costs. The next step is to connect with one of our brokers. If you're having trouble navigating the cost tool, please send questions to contact@wiswellinsurance.com.