Reply #60: Actually...

[inna]

The calculations above DO reflect the provision that you mentioned, namely: "For those between 300-400 percent of FPL, within the same actuarial value, the benefit will include an out-of-pocket limit equal to two-thirds of the Health Savings Account (HSA) current law limit."

For reference, the calculations in the OP are based on Senate Leadership Bill Patient Protection and Affordable Care Act (H.R. 3590) (reflecting the manager’s amendment announced December 19, 2009) which, to quote:

Reduce the out-of-pocket limits for those with incomes up to 400% FPL to the following levels:

100-200% FPL: one-third of the HSA limits ($1,983/individual and $3,967/family);
200-300% FPL: one-half of the HSA limits ($2,975/individual and $5,950/family);
300-400% FPL: two-thirds of the HSA limits ($3,987/individual and $7,973/family).

However, note that an out-of-pocket limit equal to the HSA current law limit equals $5,950 for individuals and $11,900 for families in 2010.

In other words, unsubsidized out-of-pocket maximum will be $11,900 for Family 2 (401% FPL),
and two-thirds of that amount, i.e. $7,973, for Family 1 (301%). Which is exactly what the charts in the OP say. :)

(Apparently, you were thinking in terms of a single individual, not a family.)

What's interesting though is that the OOP maximum for a single individual that you quote is slightly higher than the one used in the calculations. Unfortunately, I've seen those higher OOP # as well in different versions of the bill. I have little doubt that by the time the final bill is passed, they will use those higher numbers. Anything to pass up the costs to taxpayers, as always. :(


Anyway, thanks for the link. :hi: