Cost-sharing reductions (CSRs) are financial assistance programs designed to lower out-of-pocket costs for individuals and families who purchase health insurance through the Health Insurance Marketplace. These reductions help decrease expenses like deductibles, copayments, and coinsurance, making healthcare more affordable for eligible participants. To qualify for CSRs, individuals must meet specific income requirements and enroll in a Silver plan within the Marketplace. By reducing the amount of money that insured individuals need to pay when they receive medical care, CSRs aim to improve access to necessary health services and enhance overall health outcomes.