calculate health care reform proposals for yourself

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Health Reform Subsidy Calculator -- Premium Assistance for Coverage in Exchanges/Gateways



http://healthreform.kff.org/SubsidyCalculator.aspx

This tool illustrates premiums and government assistance under the types of reform proposals being considered in Congress for people under age 65 who purchase coverage on their own in an Exchange or Gateway and are not covered through their employer, Medicare or Medicaid. While the proposals considered would not take effect until 2013, the results are presented in terms of 2009 premium and income levels to enable better comparisons to current circumstances. The tool allows the user to start with the provisions from one of several proposals and examine the impact at different income levels. Advanced settings allow users to change assumptions to show the effect of different policy choices.

A few caveats:

• Specific subsidies for cost sharing and what people might pay out-of-pocket for deductibles and coinsurance are not illustrated on the calculator.
• In many cases coverage will be more comprehensive and accessible than what is typically available today in the non-group market, so premiums cannot easily be compared to what people buying insurance on their own are now paying.
• The calculator does not apply to people with coverage available through an employer, where the firm is generally paying for a substantial portion of the insurance premium.

Choose a proposal	Choose a proposal House Ways and Means/Education and Labor Committees House Energy and Commerce Committee Senate HELP Committee Senate Finance Committee (Baucus)
Enter income as:	Dollars % of poverty
Enter annual income here:
	Or,
Enter age of policyholder here (19-64):
Choose family type here:	Single adult Family of 4
Is employer coverage available?	Yes No
Regional cost factor:	Higher cost area Medium cost area Lower cost area

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Actual annual plan premium:
(age factor = )
Cap on premium as % of income:
Person/family premium payment:
% of total premium paid by person/family:
Person/family payment as % of income:
Government subsidy:
Could the person/family pay less for a less comprehenisve plan?

Click here for tables showing results by income and age

Senate Help Committee			Tables by Income and Age
What the Person/Family Pays
	20	30	40	50	60
100%
125%
150%
175%
200%
225%
250%
275%
300%
325%
350%
375%
400%
425%
450%
475%
500%
525%
Subsidy Amounts
	20	30	40	50	60
100%
125%
150%
175%
200%
225%
250%
275%
300%
325%
350%
375%
400%
425%
450%
475%
500%
525%
Percent of Premium Paid by Person/Family
	20	30	40	50	60
100%
125%
150%
175%
200%
225%
250%
275%
300%
325%
350%
375%
400%
425%
450%
475%
500%
525%

Advanced settings: Click here to view or change policy parameters

Policy Parameters
Allowed premium variation by age:	to 1
Medicaid eligibility below:	133 % of poverty
For income at:	150 % of poverty
Maximum family payment of:	% of income
Subsidies phase out at:	% of poverty
Maximum family payment of:	% of income
Extra subsidies for income up to:	% of income
Maximum family payment of:	% of income
Maximum income (% of poverty) for subsidies:	150% 200% 250% 300% 350% 400% 450% 500%
At income of…	Maximum Family Payment of…
133% of poverty	% of income
150% of poverty	% of income
200% of poverty	% of income
250% of poverty	% of income
300% of poverty	% of income
350% of poverty	% of income
400% of poverty	% of income
450% of poverty	% of income
500% of poverty	% of income
Click here for a list of frequently asked questions about the calculator

For more information: A side-by-side comparison of Congressional health reform proposals and a brief explaining how subsidies work are available


Click here for a list of frequently asked questions about the calculator



Explanations


Source: Kaiser Family Foundation calculations.