Additional Summaries, Q&A

ADDITIONAL SUMMARIES AND ANALYSIS:

THE AFFORDABLE HEALTH CARE ACT

See healthcare.gov for the latest official news and analysis.

What’s a grandfathered plan? The federal Employee Benefits Security Administration explains it.

The many CBO analysis of the bills can be found on the CBO website: http://www.cbo.gov

The Kaiser Family Foundation health reform page offers extensive resources including detailed summaries of the law, the implementation timeline, and specific provisions.

http://healthreform.kff.org/

The Commonwealth Fund offers extensive resources:

http://www.commonwealthfund.org/Health-Reform.aspx

The UC Berkeley Center for Labor Research and Education offers detailed analysis of the impacts on California:

http://laborcenter.berkeley.edu/healthpolicy/index.shtml

The Center for Policy Analysis provides resources and analysis and coordinates the EQUAL Health Network’s listserve and campaign.

http://www.equalhealth.info/, www.equahealth.info

 

 How Reform Works For You:

Bill Text:

Bill Summaries:

CBO Score:

Summary Documents:

Provisions At A Glance:

Consumer Protections/Benefits/Wellness

Exchanges

Shared Responsibility & Affordability

Lowering Costs

Strengthening Medicare

For Businesses

Health Workforce

By Demographic

Paying for Reform

Around the Web:

Estimated Savings For Families

IN 2014 WHEN THE EXCHANGES ARE IN PLACE, UNDER HEALTH INSURANCE REFORM AS PASSED

A FAMILY OF 4 MAKING $33,300 A YEAR

1.

Will get quality insurance for a premium of about $30 a week.

2.

Co-pays and deductibles in a typical year will be about $1,900.*

3.

So in total, the family’s average out-of-pocket health care costs will be about $3,500 a year, a savings of $13,750 compared to what they would pay without reform.

A FAMILY OF 4 MAKING $44,400 A YEAR

1

Will get quality insurance for a premium of about $62 a week.

2.

Co-pays and deductibles in a typical year will be about $4,000.*

3.

So in total, the family’s average out-of-pocket health care costs will be about $7,200 a year, a savings of $10,050 compared to what they would pay without reform.

A FAMILY OF 4 MAKING $55,500 A YEAR

1.

Will get quality insurance for a premium of about $100 a week.

2.

Co-pays and deductibles in a typical year will be about $4,400.*

3.

So in total, the family’s average out-of-pocket health care costs will be about $9,650 a year, a savings of $7,600 compared to what they would pay without reform.

A FAMILY OF 4 MAKING $66,600 A YEAR

1.

Will get quality insurance for a premium of about $141 a week.

2.

Co-pays and deductibles in a typical year will be about $4,400.*

3.

So in total, the family’s average out-of-pocket health care costs will be about $11,800 a year, a savings of $5,450 compared to what they would pay without reform.

*Co-pay and deductibles will vary for families based on the health of the family and the structure of the specific plan.

Source: Calculations by Committee staff from HHS data in 2014 dollars, family incomes in 2009 dollars.

IN 2014, WHEN EXCHANGES ARE CREATED:

PREMIUMS COST FOR FAMILY OF 4

ANNUAL INCOME WITH REFORM WITHOUT REFORM
$33,300 $30 per week $218 per week
$44,400 $62 per week $218 per week
$55,500 $100 per week $218 per week
$66,600 $141 per week $218 per week
$77,700 $165 per week $218 per week
$88,800 $174 per week $218 per week
ANNUAL INCOME WITH REFORM WITHOUT REFORM
$33,300 $37 per week $114 per week
$44,400 $77 per week $114 per week
$55,500 $86 per week $114 per week
$66,600 $86 per week $114 per week
$77,700 $86 per week $114 per week
$88,800 $114 per week $114 per week

ESTIMATED AVERAGE ANNUAL OUT-OF-POCKET COST FOR FAMILY OF 4 (COPAYS, PREMIUMS AND DEDUCTIBLES)

ANNUAL INCOME WITH REFORM WITHOUT REFORM
$33,300 $ 3,500 a year $ 17,250 a year
$44,400 $ 7,200 a year $ 17,250 a year
$55,500 $ 9,650 a year $ 17,250 a year
$66,600 $ 11,800 a year $ 17,250 a year
$77,700 $ 13,050 a year $ 17,250 a year
$88,800 $ 15,000 a year $ 17,250 a year
 
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