PPACA Healthcare Information

Of the 16.7 million uninsured people who could be shopping on the Marketplace whether or not they are eligible for a subsidy; a Kaiser Family Foundation analysis estimates 4.7 million of the uninsured Americans are eligible for free ($0 premiums) Bronze plans in the ACA marketplace. The 4.7 million is also a bit less than half of the uninsured who are eligible for marketplace subsidies, according to a 2017 Kaiser estimate.

Bronze plans have an average deductible of $6,506, and many people eligible for a $0 bronze premium would also be eligible for significant cost-sharing assistance by instead purchasing a silver plan. Single individuals with incomes below 250% of the poverty level can purchase benchmark silver plans with cost-sharing reductions (CSR) for $20 to $215 per month after subsidies in 2020, on average, depending on an enrollees’ income. Silver CSR plans have average annual deductibles ranging from $209 to $3,268 in 2020, also depending on income, and have reduced copays and coinsurance. It is therefore important for potential enrollees, particularly those with significant health needs, to not only consider the premium, but also the significant cost-sharing assistance that is only available if they enroll in a silver plan.

Trump and Republicans  stifling ACA advertising has made it impossible for people to gain the knowledge. They support the healthcare industry which can be legitimately blamed for the rising cost of healthcare premiums and deductibles.

How Many of the Uninsured Can Purchase a Marketplace Plan for Free in 2020?, KFF; Rachel Fehr, Cynthia Cox, and Matthew Rae; December 10, 2019

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