Affordability in the ACA Marketplace Under a Proposal Like Joe Biden's Health Plan

Issue Brief
  1. A person making $50,000 is currently eligible for subsidies only in California, as the state funds additional subsidies for those who make less than 600% of poverty. Vermont and Massachusetts also provide additional state-funded subsidies to Marketplace enrollees, but these subsidies do not extend above 400% of poverty.

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  2. The payment for the second-lowest cost gold plan is set as a certain percent of one’s income. However, the lowest-cost bronze plan payment could change under Biden’s proposal, depending on how the public option plan is priced relative to the gold benchmark.

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