In order to be eligible for cost-sharing reduction, an individual must choose which metal plan?

To be eligible for cost-sharing reductions (CSRs), individuals must choose a Silver metal plan. This requirement is built into the design of the Affordable Care Act, which establishes the CSRs specifically to lower out-of-pocket costs for individuals and families with low to moderate income who enroll in a Silver plan.

The CSR benefit allows those eligible to receive additional assistance in the form of reduced deductibles, copayments, and coinsurance, making healthcare more affordable. While Gold, Bronze, and Platinum plans also offer various coverage levels, they do not qualify for CSRs because this financial assistance is tied exclusively to the Silver plans. This ensures that the Silver plans play a crucial role in the marketplace by providing both comprehensive coverage and affordability for those who need it most.