What is the main purpose of the cost-sharing reduction (CSR) program?

The main purpose of the cost-sharing reduction (CSR) program is to decrease the amount consumers pay for deductibles, copayments, and coinsurance. The CSR program is designed to assist individuals and families with lower incomes in making healthcare more affordable. It reduces the cost-sharing that consumers would otherwise face when accessing healthcare services, thereby lessening the financial burden when they need medical care.

By lowering these out-of-pocket costs, the CSR program aims to increase access to necessary healthcare services for those who may struggle to afford them otherwise. This means that when eligible individuals go to the doctor or fill a prescription, they will pay less compared to those without CSR benefits, which helps ensure that healthcare is more accessible and equitable.

The other options reflect goals that do not align with the purpose of the CSR program. Increasing consumer out-of-pocket costs does not facilitate access to care, nor does providing free health insurance align with the CSR’s intention of reducing specific financial barriers. Additionally, offering tax deductions pertains to a different aspect of healthcare financing and doesn’t specifically address cost-sharing reductions for medical services.