Acero Health Technologies is a specialized software vendor that helps health insurance companies listing products on federal exchanges support CMS regulatory requirements for premiums, Silver Loading, and Cost-Sharing Reductions (CSR) subsidies. Our core compliance engine, XpandHCR™, automates the calculation, tracking, and documentation of Cost-Sharing Reductions (CSR) across legally mandated plan variations.

• Dynamic Plan Variation Processing: Automates complex claim-level and benefit-level adjudication for 73%, 87%, and 94% Actuarial Value (AV) Silver plan variations, adjusting automatically to the reduced maximum annual cost-sharing limitations.
• Codified Silver Loading Solutions: As a leading compliance vendor, our XpandHCR™ platform automates end-to-end support for premium and cost-sharing subsidies based on the latest CMS guidelines. XpandHCR™ provides health plan actuarial teams with precise claim logs to model, calculate, and execute Silver Loading premium adjustment strategies, in strict alignment with the formalized guidelines established in the CMS Notice of Benefit and Payment Parameters.
• Audit-Ready Transaction Logs: Generates secure, transparent, and historical transaction trails designed to withstand rigorous marketplace integrity audits, protecting issuers against eligibility non-compliance and subsidy adjudication errors.