So CH and others have brought up one of the problems of the ACA people making >400% of the FPL because the tax credits abruptly stop at that level. While a relatively small percentage of people getting plans on the market overall, it's definitely a real problem (and one of the things they SHOULD be trying to fix instead of this charade in the Senate right now). Here's an analysis of extending the credits people >400% of FPL using RAND's model. Take home is it would cost ~$6 billion, reduce the uninsured rate by 1.2 million people, and improve the risk pool, decreasing premiums for all.
http://www.commonwealthfund.org/pub...ion?omnicid=EALERT1247883&mid=eibner@rand.org
This. Now, it doesn't fix the issue of why its so expensive but it will help a lot of people. The 400% FPL market is very sick, based solely on economics.
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