Americans who are eligible for premium subsidies have a greater chance of finding affordable ACA health coverage in 2018, according to an eHealth analysis.
For the analysis, eHealth used a survey of 2018 plan costs in 40 U.S. cities/metropolitan areas. The analysis examined health plan costs for a family of two 35-year-old adults and one 13-year-old child.
Here are six findings from the analysis.
1. eHealth said the analysis found most subsidy-eligible individuals with annual income of $25,000 or less will be able to get no-premium health coverage if they use their subsidies toward the lowest-cost bronze plan. The same could be said for most individuals age 55 or older with annual income of $30,000 or less.
2. A subsidy-eligible family of three with annual income of $51,050 in 2018 would have access to a zero-premium bronze level health insurance plan, according to eHealth.
3. For a subsidy-eligible family of three with annual income of $81,680, monthly costs for the average lowest-priced bronze level health insurance plan would be $300.
4. The survey found nonsubsidized families with annual income of $81,884 in 2018 would see monthly costs of $864 for the average lowest-cost health plan, according to eHealth. The average annual for these plans would be $13,437.
5. People that receive the minimum premium subsidy will pay $2,328 annually, or $194 monthly, for the average cheapest bronze plan. eHealth said this is due to the fact they make 400 percent of the federal poverty level.
6. Nonsubsidized people will pay $5,591 annually, or $466 monthly, for the average cheapest bronze plan. eHealth said this is due to the fact they earn 401 percent of the federal poverty level.
Read more about the analysis here.