Marketplace Subsidies: Changing The 'Family Glitch' Reduces Family Health Spending But Increases Government Costs.
Under the Affordable Care Act, if one family member has an employer offer of single coverage deemed to be affordable--that is, costing less than 9.66 percent of family income in 2016--then all family members are ineligible for tax credits for Marketplace coverage, even if the cost of providing cover...
| Publicado en: | Health Affairs Vol. 35; no. 7; pp. 1167 - 1176 |
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| Autores principales: | , , |
| Formato: | research tables/charts Journal Article |
| Publicado: |
Health Affairs Publishing, LLC
Jul2016
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| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=ccm&AN=116675026&site=ehost-live header: @attributes: shortDbName: ccm uiTerm: 116675026 longDbName: CINAHL Complete uiTag: AN controlInfo: bkinfo: dissinfo: jinfo: jid: 02782715 HAF jtl: Health Affairs issn: 02782715 maglogo: N pubinfo: dt: Jul2016 vid: 35 iid: 7 pid: 1453 pub: Health Affairs Publishing, LLC place: Washington, District of Columbia artinfo: ui: 116675026 116675026 116675026 10.1377/hlthaff.2015.1491 116675026 ppf: 1167 ppct: 9 formats: tig: atl: Marketplace Subsidies: Changing The 'Family Glitch' Reduces Family Health Spending But Increases Government Costs. aug: au: Buettgens, Matthew Dubay, Lisa Kenney, Genevieve M. affil: Senior research associate, Urban Institute, Washington, D.C. sug: subj: Health Insurance Exchanges Financing, Government Health Care Costs Eligibility Determination Patient Protection and Affordable Care Act Simulations Human Male Female Infant Child, Preschool Child Adolescence Adult Middle Age Funding Source Infant: 1-23 months Child, Preschool: 2-5 years Child: 6-12 years Adolescent: 13-18 years Adult: 19-44 years Middle Aged: 45-64 years Male Female ab: Under the Affordable Care Act, if one family member has an employer offer of single coverage deemed to be affordable--that is, costing less than 9.66 percent of family income in 2016--then all family members are ineligible for tax credits for Marketplace coverage, even if the cost of providing coverage to the whole family is greater than 9.66 percent of income. More than six million people live in such families and as a result are ineligible for premium tax credits. These families face premiums that can amount to 15.8 percent of income, or 12.0 percent after the tax advantages of employer-sponsored health coverage are factored in. We modeled the potential impact of changing the affordability test to take into account the cost of family coverage. Doing so would reduce spending on premiums from 12.0 percent to 6.3 percent of income, significantly alleviating financial burdens, but would generate little additional coverage. We estimated the additional costs to the federal government for premium tax credits and cost-sharing reductions to be between $3.7 billion and $6.5 billion in 2016. pubtype: Academic Journal doctype: research tables/charts Journal Article ougenre: Article language: English refInfo: holdings: @attributes: islocal: N |
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