https://goo.gl/skwD5v
Republicans will argue that by cutting back insurance standards, their bill would lower premiums — because people can choose to buy less coverage than the ACA currently requires. But premiums are only one expense that enrollees have to worry about. First, the level of tax credits affects how much enrollees would actually pay for those premiums, out of pocket.
Second, the degree of insurance protection affects how much enrollees would pay in deductibles, co-pays, and other forms of cost-sharing. (“Cost-sharing” refers to how the insurance company and the enrollee split the costs of health services.)
We’re presenting an analysis here of the net financial impact of the Republican bill on premiums, after tax credits, plus cost-sharing. We estimate that the bill would increase costs for the average enrollee by $1,542, for the year, if the bill were in effect today. In 2020, the bill would increase costs for the average enrollee by $2,409.