Our members have access to federal government assistance that can help make health insurance more affordable. These savings are provided to members either through an Advance Premium Tax Credit (APTC), Cost Sharing Reduction (CSR), or both.

What is APTC? 

An APTC is a federal subsidy that assists qualified individuals and families by reducing their monthly premiums.

What is CSR?

Members who qualify for an APTC also may be eligible for even lower out-of-pocket costs through a CSR. These savings only apply to a BlueEssentials^_SM Silver plan and vary based on an individual’s or family’s income.