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.
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:
- How Reform Works For You»
- Immediate Benefits»
- Guide for Seniors»
- Women Have the Most to Gain»
- What’s in it for Young Americans»
- Guide for Small Businesses»
Bill Text:
- The Patient Protection and Affordable Care Act (P.L. 111-148)»
- Health Care and Education Reconciliation Act of 2010 (P.L. 111-152)»
Bill Summaries:
- 3 Page Summary of the final health insurance reform legislation»
- Section by Section Analysis of the Patient Protection and Affordable Care Act, As Amended by the Health Care and Education Reconciliation Act(Senate DPC document)»
- Detailed Summary of the Patient Protection and Affordable Care Act, As Amended by the Health Care and Education Reconciliation Act (Senate DPC document)»
- Reconciliation Bill Makes Key Improvements To Senate-passed Bill»
- Section by Section Analysis of the Reconciliation Act»
CBO Score:
Summary Documents:
- Immediate Benefits»
- Timeline for Implementation»
- Cost of Inaction»
- Health Care By the Numbers: Open & Transparent Process»
Provisions At A Glance:
Consumer Protections/Benefits/Wellness
Exchanges
Shared Responsibility & Affordability
- Making Coverage Affordable»
- Estimated Savings For Families»
- Maintaining & Improving Medicaid»
- Shared Responsibility»
Lowering Costs
Strengthening Medicare
- Strengthening Medicare»
- Medicare Part D/Closing the Donut Hole»
- Curbing Taxpayer Subsidies for Medicare Advantage»
For Businesses
Health Workforce
By Demographic
- Addressing Health and Health Care Disparities»
- Rural America & Reform»
- Seniors»
- Women»
- Young Americans»
- Small Businesses»
Paying for Reform
Around the Web:
- Get breaking updates on Twitter at twitter.com/healthreformnow »
- Visit our Facebook page at www.facebook.com/HealthReform »
- What health reform means for you on WhiteHouse.gov»
- HealthReform.gov»
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 |
