ACA Replacement Plans and the Individual Market

1. 40-year-old ACA Senate BCRA House AHCA**
Before tax credit $6,500 $6,400 (-2%) $6,550 (+1%)
After tax credit $1,700* $3,000 (+76%) $2,900 (+71%)
Congressional Budget Office
*Under the ACA, a person of this income buying a silver plan would be eligible for cost-sharing assistance (87% Actuarial Value)
making their silver plan more similar to a gold or platinum plan.
** Premiums shown for a state without a waiver. Average AV is 65%, which is somewhat less generous than a silver plan (70%).
For a middle-age person, before tax credits, premiums for
comparable coverage would be similar under each plan
21-year-old
Before tax credit $5,100 $4,100 (-20%) $4,200 (-18%)
After tax credit $1,700* $2,200 (+29%) $1,750 (+3%)
64-year-old
Before tax credit $15,300 $20,500 (+34%) $21,000 (+37%)
After tax credit $1,700* $6,500 (+282%) $16,100 (+847%)
Annual individual market premium for a silver plan, before and after tax credit (175% FPL), 2026

2. Monthly Premium for a Silver Plan Among Exchange Enrollees (By Income and Age), 2020
Income Below 200% of Poverty Income 200% of Poverty or Above
Age
ACA Premium
After Tax Credit
BCRA Premium
After Tax Credit
% Change ACA Premium
After Tax Credit
BCRA Premium
After Tax Credit
% Change
< 18 $26 $58 121% $176 $170 -4%
18-34 $57 $103 82% $247 $247 0%
35-44 $69 $149 117% $296 $369 25%
45-54 $67 $215 223% $323 $556 72%
55-64 $69 $272 294% $399 $782 96%
65 + $76 $296 288% $439 $862 96%
Overall $61 $168 177% $311 $489 57%
Source: Kaiser Family Foundation
Kaiser Family Foundation. Premiums under the Senate Better Care Reconciliation Act, Jun 26 2017 http://www.kff.org/health-
reform/issue-brief/premiums-under-the-senate-better-care-reconciliation-act/
Low-income, older adults would face highest premium
increases under Senate BCRA

3. 12%
14%
21%
22%
33%
74%
108%
111%
140%
142%
164%
0% 20% 40% 60% 80% 100% 120% 140% 160% 180%
New York
Mass.
Vermont
DC
Washington
US Average
West Virginia
South Dakota
Oklahoma
Alaska
Alabama
Percent Difference in Average Monthly Silver Premiums After Tax Credits
under BCRA vs. ACA, 2020
Kaiser Family Foundation. Premiums under the Senate Better Care Reconciliation Act, Jun 26 2017 http://www.kff.org/health-
reform/issue-brief/premiums-under-the-senate-better-care-reconciliation-act/
States with older, lower-income, rural populations would see average
premiums more than 100% higher under the BCRA than current law

4. 12%
74%
164%
NY
MA
VT
DC
WA
NH
IN
ME
KY
NJ
OH
AZ
OR
IL
NM
AR
DE
RI
CO
MN
SC
VA
UT
FL
MI
GA
ID
PA
NV
US
MD
CT
IA
ND
MO
TX
WI
MS
KS
WY
TN
HI
MT
NE
CA
LA
WV
NC
SD
OK
AK
AL
Kaiser Family Foundation. Premiums under the Senate Better Care Reconciliation Act, Jun 26 2017 http://www.kff.org/health-
reform/issue-brief/premiums-under-the-senate-better-care-reconciliation-act/
Some states would see higher average premium increases
than others under the Senate BCRA
Percent Difference in Average Monthly Silver Premiums After Tax
Credits under BCRA vs. ACA, 2020

5. Source: Kaiser Family Foundation analysis of data from Healthcare.gov. Note: Under the ACA, people purchasing silver plans on-
exchange who have incomes below 250% of the poverty level (about $30,000 for a single individual or $60,000 for a family of four)
receive reduced cost-sharing, meaning their plans have lower deductibles. Typically, silver plans have an actuarial value of 70%,
meaning that on average the plan pays 70% of the cost of covered benefits for a standard population of enrollees, with the
remaining 30% of total costs being covered by the enrollees in the form of deductibles, copayments, and coinsurance.
Average Deductible in Marketplace Plans with Combined
Medical and Prescription Drug Deductibles, 2017
$6,105
$3,609
$2,904
$809
$255
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
Bronze
(60% Actuarial
Value)
Silver
Income Over
250% of Poverty
(70% AV)
Income 200-250%
of Poverty
(73% AV)
150-200% of
Poverty
(87% AV)
150% of Poverty
or Below
(94% AV)
Silver Plans with Cost-Sharing
Reductions for Lower-Income
Enrollees