Affordable Care Act: The Numbers Are Adding Up

As the ideological debates rage on about the Affordable Care Act, the facts are starting to create a clear picture of what this landmark legislation might mean at the bottom line. The Department of Health and Human Services has released a report on health plan premiums and participation in the 36 states where the federal government is either fully or partly running the new health insurance exchanges. The conclusions? Consumers in most states will have many plans to choose from, and premiums will be lower than expected in 2014. On average, eight different insurers are participating in each of the exchanges, and the average premium nationally will be $328 a month, 16% lower than projections. With federal tax credits, 56% of the uninsured may pay less than $100 per person for coverage. These numbers are starting to add up to a cost-effective national health policy.

John Howell, Editorial Director