Even The Cheapest Healthcare Plans Are «Unaffordable» In 94% Of American Cities
ZeroHedge, Sept. 30, 2017
US healthcare insurance is locked in an inescapable death spiral that will result in its inevitable failure. Folks who make too much to qualify for subsidies (currently defined as roughly $80,000 for a family of 3) are increasingly being priced out of the market for individual insurance by 30%+ price hikes that consistently come year after year.
eHealth.com has just published a new study that finds that, even by the government‘s own definition of «affordability», residents in 47 out of 50 cities surveyed can’t afford the cheapest healthcare plan.
The average family of three earning slightly too much to qualify for subsidies in 2018 would need to increase its household income by nearly $29,000 before health insurance became “affordable”, based on US government criteria.
“Coverage under the Affordable Care Act is becoming seriously unaffordable for many families,» said eHealth CEO Scott Flanders. “The cost of family health insurance rivals that of a second mortgage. Without the introduction of lower-cost options into the market or expanded government subsidies, many middle-income Americans are in danger of being priced out of the health insurance market entirely.”
Meanwhile, the study conducted by eHealth is somewhat conservative as it only assumed a 10% premium increase in 2018.
In preparing its analysis, eHealth reviewed the lowest-price 2017 plan available for families of three comprised of two adults age 35 and one child.
After applying a relatively modest annual rate increase of 10% to 2017 rates to project 2018 rates, eHealth discovered the following:
In 47 of 50 cities surveyed, the lowest-priced plan would be officially unaffordable for families earning about $82,000 per year in the contiguous US.
Among these families, the average three-person household would need to earn an additional $28,939 per year before the lowest-cost plan becomes affordable according to current healthcare rules.
To put eHealth’s findings in perspective, an average American family of 3, with an annual income of $81,884, would have to spend 18% of their gross income in 2018 just to purchase the cheapest health insurance plan for their family. On a post-tax basis, that expenditure would be well over 20%.
Здешние политиканы, «эксперты», подконтрольные ЦРУ СМ»И» нахваливают псевдодемократическую, якобы процветающую Америку.
Те, кто любит «наших американских (государственных) партнеров», «забывают» о грязных, злых уродах США. О таких, как коварный и крайне опасный мошенник, расист, лжец, неофашист и убийца Дональд Трамп. И о таких, как порочный Конгресс, кровавые милитаристы США, нацистские ФБР — ЦРУ, лживые американские СМ”И”…
Арнольд Локшин, политэмигрант из США