A discount that reduces the amount you have to pay for deductibles, copayments and coinsurance. In the Health Insurance Marketplace, “Cost Sharing Reductions”, or “CSR Reduction” are often called “added savings.” If you qualify, you must enroll in a plan in the Silver category to get the additional savings. If you qualify for cost sharing reductions, you also have a lower Maximum Out of Pocket, the total amount you would have to pay for covered medical services each year. When you reach your Maximum Out of Pocket, your insurance plan covers 100% of all covered services.