How Affordable are 2019 ACA Premiums for Middle-Income People?
While this analysis focuses on the unsubsidized population above 400% of poverty, the “coverage gap” in states that have not expanded Medicaid has also left a group of people with incomes below poverty unsubsidized and unable to afford care. The 2.2 million uninsured people in the coverage gap make too much to qualify for Medicaid or do not meet categorical requirements in those states, but are below the poverty line and thus are not eligible for ACA Marketplace subsidies.
These averages are weighted by 2018 county-level plan selections. Alaska and Hawaii are excluded from this calculation because these states have different poverty guidelines, and thus different subsidy cutoffs, from the rest of the U.S.