Gannett (owner of USA Today) finally takes a stab at doing journalism.
They did an analysis taking a hypothetical person making just above the subsidy cutoff and see if the cheapest of the cheapest plans meets the requirement that the policy cost less than 8% of income for a 50 year old. (roughly $50k * .08 / 12 = $333 a month). In large areas of the country, you can’t – and that’s before the last minute changes allowing many healthy people to not buy the new ACA policies – fully expect the policy I just bought to zoom up in price as actuarial assumptions are adjusted.
This 8% of income test is one of the “escape clauses” that allows people to remain uninsured and not have to pay the $95/1% of income penaltax.
USA today also chimes in that these low end bronze accounts have $5-$6,000 deductibles that the typical middle class person likely won’t be able to pay – meaning either that they won’t seek medical treatment or they’ll stick the hospital with unpaid bills.
You may notice that nowhere in this story do they use the word “Obamacare” – the new “N” word. By the time this plays out, the media will be telling us the Affordable Care Act was a Republican idea. Republicans really need to stay out of “fixing” Obamacare.