KHN Exclusive: Congressional Documents Show Health Costs

These documents, prepared by the House Committee on Ways and Means and obtained by KHN, show the maximum premiums and out-of-pocket costs low- and moderate-income people might face under the House health overhaul plan, called America’s Affordable Health Choices Act. 

See maximum premiums and out-of-pocket costs for families and individuals

Premium And Out-Of-Pocket Maximums For Families

The first chart shows how much in premiums families of four pay today and the maximum each family would pay under the House bill.

KHN Exclusive: Congressional Documents Show Health Costs

The second chart shows examples of how much in deductibles and co-insurance people could end up paying, and how those would compare with a typical high deductible plan and with the typical health insurance plan for federal employees.

 KHN Exclusive: Congressional Documents Show Health Costs

The documents only list families whose incomes are up to four times the federal poverty level: $88,200. These are the people who would be eligible for government subsidies.

The House bill does not limit the size of premiums for people with incomes above this level; which is why they are not included in the charts. Under the bill, no family would have to spend more than $10,000 on out-of-pocket costs in a year. Those limits do not include money spent for premiums.

 

Premium And Out-Of-Pocket Maximums For Individuals

The first chart shows how much in premiums individuals pay today and the maximum each would pay under the House bill.

KHN Exclusive: Congressional Documents Show Health Costs

The second chart shows examples of how much in deductibles and co-insurance an individual could end up paying, and how those would compare with a typical high deductible plan and with the typical health insurance plan for federal employees.

KHN Exclusive: Congressional Documents Show Health Costs

The documents only list individuals whose incomes are up to four times the federal poverty level: $43,320. These are the people who would be eligible for government subsidies.

The House bill does not limit the size of premiums for people with incomes above this level; which is why they are not included in the charts. Under the bill, no individual would have to spend more than $5,000 on out-of-pocket costs in a year. Those limits do not include money spent for premiums.

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