Reply #4: In HR3200 the subsidies cut off at 4x the poverty level

[dflprincess]

that's $43,000 for a single person and $80 some thousand for a family of four. This is gross income, not after tax income. And, Pelosi has indicated that lowering those income caps might be okay.

Personally, I don't think they're high enough as they don't take into account any other expenses or where you live. A single person making $43,000 could be charged 12% of their income in premiums (though hopefully some of that cost would be made up by their employer) and could have out of pocket expenses of $5,000 in copays & deductibles as well as any other costs not covered by insurance. The bill also allows for premiums and and out of pockets to increase each year. If you're someone dealing with a chronic condition you're looking at some hefty expenses every single year.

This bill a gift not only to the insurance industry but to the credit card companies as well because many people will continue to use their credit cards to cover medical expenses.

Not only will nothing work if it isn't affordable, it won't work if it doesn't actually improve access to care. We need a system that does not demand payments at point of service.