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User Name Thread Name Subject Posted
heric BS: US Health Care Reform (1349* d) RE: BS: US Health Care Reform 23 Sep 09


If I understand Baucus (I don't), your peak exposure to premiums is 10% of income. If I understand HR 3200 (I don't), your peak exposure to premiums is 12% of income. I guess those are both subject to ongoing negotiations especially on subsidy questions. Out of pocket is on top of that?

Page 6 of that side by side is on subsidies.

For Baucus it says:
For those with incomes between 100-150% FPL, the cost-sharing
subsidies will result in coverage for 90% of
the benefit costs of the plan. For those with
incomes between 150-200%, the cost-sharing
subsidies will result in coverage for 80% of the
benefit costs of the plan.

(I don't know what it does for 200% - %400 FPL - nothing?)

For HR 3200 it says:

The premium credits will be based on the average cost of
the three lowest cost basic health plans in the
area and will be set on a sliding scale such that
the premium contributions are limited to the
following percentages of income for specified
income tiers:

133-150% FPL: 1.5 - 3% of income
150-200% FPL: 3 – 5.5% of income
200-250% FPL: 5.5 - 8% of income
250-300% FPL: 8 - 10% of income
300-350% FPL: 10 - 11% of income
350-400% FPL: 11 - 12% of income


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