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Cost-Sharing Reduction (CSR)

A provision in the Affordable Care Act that lowers the amount an individual pays out-of-pocket for deductibles, coinsurance, and copayments. Individuals can qualify if they are enrolled in a Silver plan through the exchange and have income that is below 250 percent of the Federal Poverty Level.

Physician-Hospital Organization (PHO)

Organizations, either legal or informal, that link hospitals with their medical staff. PHOs can be open or closed to any member based on qualifications.