Comparing Affordability Provisions in Senate and House Bills
The following tables provide a side-by-side comparison of the Affordability Provisions contained in the U.S. House and Senate health care reform bills, based on a family of three.
| Premiums | |||||||
| Family Income | House Bill | Senate Bill | |||||
| Income as % of FPL | Annual Salary | Premium as % of income | Annual Premium | Monthly Premium | Premium as % of income | Annual Premium | Monthly Premium |
| 150% | $27,465 | 3.0% | $824 | $68.67 | 4.6% | $1,263 | $105.25 |
| 200% | $36,620 | 5.5% | $2,014 | $167.83 | 6.3% | $2,307 | $192.25 |
| 300% | $54,930 | 10.0% | $5,493 | $457.75 | 9.8% | $5,383 | $448.58 |
| 400% | $73,240 | 12.0% | $8,789 | $732.41 | 9.8% | $7,178 | $598.16 |
| Out of Pocket Expenses | |||||||
| Family Income | House Bill | Senate Bill | |||||
| Income as % of FPL | Annual Salary | Annual out-of-pocket cap as % of income | Annual out-of-pocket cap | Monthly out-of-pocket cap | Annual out-of-pocket cap as % of income | Annual out-of-pocket cap | Monthly out-of-pocket cap |
| 150% | $27,465 | 3.6% | $1,000 | $83.3 | 14.1% | $3,867 | $322.25 |
| 200% | $36,620 | 5.5% | $2,000 | $166.66 | 10.6% | $3,867 | $322.25 |
| 300% | $54,930 | 14.6% | $8,000 | $666.66 | 10.6% | $5,800 | $483.33 |
| 400% | $73,240 | 13.7% | $10,000 | $833.33 | 10.6% | $7,733 | $644.41 |
| Overall Health Care Costs | |||||||
| Family Income | House Bill | Senate Bill | |||||
| Income as % of FPL | Annual Salary | Total health care costs as % of income | Annual Total | Monthly Total | Total as % of income | Annual Total | Monthly Total |
| 150% | $27,465 | 6.6% | $1,824 | $152 | 18.7% | $5,130 | $427.5 |
| 200% | $36,620 | 11.0% | $4,014 | $334.5 | 16.9% | $6,174 | $514.5 |
| 300% | $54,930 | 24.6% | $13,493 | $1124.61 | 20.4% | $11,183 | $931.92 |
| 400% | $73,240 | 25.7% | $18,789 | $1565.75 | 20.4% | $14,911 | $1242.83 |
Data comes from Community Catalyst and PICO National Network
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