Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Cost-sharing reductions (CSR) that lower deductibles, copayments, and out-of-pocket limits are available to eligible enrollees in which metal tier at incomes between 138% and 250% of the federal poverty level?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Cost-sharing reductions are available only to individuals enrolled in a Silver plan. An enrollee with household income between 138% and 250% of the federal poverty level qualifies for lower deductibles, copays, and out-of-pocket maximums within a Silver plan, with the greatest reductions at the lowest incomes. Bronze, Gold, and Platinum plans do not receive CSR subsidies. This is why the Silver tier is central to exchange enrollment: pairing the APTC premium subsidy with a Silver plan maximizes financial assistance for eligible individuals.
Why the other options are wrong
- B) Bronze plans carry the lowest actuarial value and are not eligible for cost-sharing reductions.
- C) Gold plans have richer cost-sharing but do not qualify for CSR, which is tied specifically to the Silver tier.
- D) Platinum plans provide the highest actuarial value but are not eligible for cost-sharing reductions.
Memory hook
CSR rides the Silver horse — the only metal tier that lowers your deductibles and copays.