The Empowering Patients First bill is one of several congressional proposals to replace the ACA’s income-related refundable tax credits with age-related tax credits. We use actuarial analysis to estimate the type of insurance plans that individuals of different ages could purchase in 2016 using only the tax credit that would have been available to them had this bill been enacted. A 25 percent actuarial value plan is the most comprehensive single type of coverage that all adults age 18 to 64 could purchase using no more than the Empowering Patients First tax credits, assuming no other rating factors were permitted. Roughly half of people between the ages of 18 to 64 could use their credits alone to purchase coverage with an actuarial value of 47 percent.
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