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Table 3 Changes in after-subsidy premiums for lowest-cost silver plans

From: Three years in – changing plan features in the U.S. health insurance marketplace

With Subsidy at 300% FPL
  2014–2015 2015–2016
Change in Premium Cost of Stayinga Change in Premium Cost of Stayinga
Stay Switch Difference Stay Switch Difference
Remained Lowest-Cost N = 987 counties N = 641 counties
 27-year-old $14.51   $0.00 $19.73   $0.00
 50-year-old $8.07   $0.00 -$0.44   $0.00
 60-year-old $9.33   $0.00 -$0.80   $0.00
No Longer Lowest-Cost N = 1350 counties N = 1712 counties
 27-year-old $19.04 -$1.00 $20.04 $38.98 $17.55 $21.43
 50-year-old $37.10 $3.11 $33.99 $36.37 $0.04 $36.33
 60-year-old $54.89 $3.41 $51.48 $54.95 -$0.06 $55.01
Discontinued N = 175 counties N = 159 counties
 27-year-old   $46.50 No Coverage   $37.04 No Coverage
 50-year-old   -$1.17 No Coverage   $2.27 No Coverage
 60-year-old   -$3.06 No Coverage   $1.98 No Coverage
No Subsidy at > 400% FPL
  2014–2015 2015–2016
Change in Premium Cost of Staying Change in Premium Cost of Staying
Stay Switch Difference Stay Switch Difference
Remained Lowest-Cost N = 987 counties N = 641 counties
 27-year-old $15.84   $0.00 $29.54   $0.00
 50-year-old $26.99   $0.00 $50.34   $0.00
 60-year-old $41.00   $0.00 $76.50   $0.00
No Longer Lowest-Cost N = 1350 counties N = 1712 counties
 27-year-old $16.50 -$3.54 $20.04 $45.89 $24.46 $21.43
 50-year-old $27.95 -$6.04 $33.99 $77.90 $41.58 $36.33
 60-year-old $42.31 -$9.18 $51.49 $118.09 $63.08 $55.01
Discontinued N = 175 counties N = 159 counties
 27-year-old   $46.50 No Coverage   $43.64 No Coverage
 50-year-old   $79.25 No Coverage   $73.51 No Coverage
 60-year-old   $120.43 No Coverage   $110.88 No Coverage
  1. aPremium levels shown for nonusers of tobacco only. Cost of staying is the difference in the change in monthly after-subsidy silver premium between the linked plan and the lowest-cost option. For those who switched, both the silver plans were lowest-cost. For those who stayed, only the 2014 or 2015 silver plan was lowest-cost. Finally, in counties where the silver plan was discontinued, if enrollees did not actively select a new plan, they would no longer have coverage. Calculations were the same between 2015 and 2016