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

Appendix Table 1: Change in Monthly Bronze Premium under Biden’s Proposal
    Lowest Bronze (Current Law) Lowest Bronze (Proposed Changes)
Income FPL 27 year old 40 year old 60 year old 27 year old 40 year old 60 year old
$20,000 160% $5 $3 $1 $0 $0 $0
$25,000 200% $37 $24 $3 $0 $0 $0
$30,000 240% $91 $73 $14 $12 $4 $0
$35,000 280% $156 $136 $41 $45 $26 $0
$40,000 320% $209 $194 $82 $88 $62 $2
$45,000 360% $234 $232 $116 $135 $107 $10
$50,000 400% $272 $324 $622 $186 $160 $30
$60,000 480% $274 $331 $666 $231 $223 $71
$70,000 560% $274 $331 $680 $253 $273 $122
$80,000 641% $274 $331 $687 $265 $301 $182
$90,000 721% $274 $331 $687 $270 $316 $245
$100,000 801% $274 $331 $687 $273 $325 $308
Note: This table shows enrollment-weighted average premiums for the lowest-cost bronze plan. 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, depending on how insurers and the public option plan are priced relative to the gold benchmark.
Appendix Table 2: Change in Monthly Gold Premium under Biden’s Proposal
    Second-Lowest Gold (Current Law) Second-Lowest Gold (Proposed Changes)
Income FPL 27 year old 40 year old 60 year old 27 year old 40 year old 60 year old
$20,000 160% $128 $139 $213 $39 $39 $39
$25,000 200% $191 $202 $275 $83 $83 $83
$30,000 240% $254 $265 $339 $140 $140 $140
$35,000 280% $321 $333 $405 $192 $193 $193
$40,000 320% $373 $391 $464 $243 $243 $243
$45,000 360% $398 $429 $505 $296 $296 $296
$50,000 400% $437 $522 $1,029 $349 $354 $354
$60,000 480% $439 $529 $1,075 $395 $419 $425
$70,000 560% $439 $529 $1,089 $417 $470 $496
$80,000 641% $439 $529 $1,095 $428 $498 $567
$90,000 721% $439 $529 $1,095 $434 $513 $637
$100,000 801% $439 $529 $1,095 $436 $522 $707
Note: This table shows enrollment-weighted average premiums for the second-lowest cost gold plan. 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, depending on how insurers and the public option plan are priced relative to the gold benchmark.
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