Premium and Cost-Sharing Subsidies under Health Reform: Implications for Coverage, Costs, and Affordability

Premium and Cost-Sharing Subsidies under Health Reform: Implications for Coverage, Costs, and Affordability

Using the Urban Institute's Health Insurance Policy Simulation Model (HIPSM), we estimate coverage, costs, and household financial burdens under legislation proposed by the Senate Finance Committee and under two alternative subsidy schedules: those specified in the Senate Leadership bill, and those specified in H.R. 3962, passed by the House of Representatives. This analysis shows that health care cost burdens can be substantial for those with modest incomes and significant health care needs. It shows how enhanced premium and cost-sharing subsidies could reduce burdens, while increasing overall coverage and government costs.

Research Area: 

Centers

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