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Table 6 Changes in after-subsidy premiums for lowest-cost bronze 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 = 1100 counties N = 784 counties
 27-year-old $13.30   $0.00 $19.71   $0.00
 50-year-old $4.14   $0.00 $2.36   $0.00
 60-year-old $4.11   $0.00 $3.99   $0.00
No Longer Lowest-Cost N = 1275 counties N = 1602 counties
 27-year-old $16.75 -$0.74 $17.49 $36.09 $20.79 $15.30
 50-year-old $35.22 $5.64 $29.58 $30.27 $4.22 $26.05
 60-year-old $50.81 $6.07 $44.74 $45.88 $6.47 $39.41
Discontinued N = 136 counties N = 126 counties
 27-year-old   $33.61 No Coverage   $31.23 No Coverage
 50-year-old   -$34.38 No Coverage   -$11.24 No Coverage
 60-year-old   -$53.35 No Coverage   -$19.68 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 = 1100 counties N = 784 counties
 27-year-old $13.86   $0.00 $29.05   $0.00
 50-year-old $23.58   $0.00 $49.37   $0.00
 60-year-old $35.81   $0.00 $74.90   $0.00
No Longer Lowest-Cost N = 1275 counties N = 1602 counties
 27-year-old $15.35 -$2.14 $17.49 $42.95 $27.65 $15.30
 50-year-old $25.93 -$3.65 $29.58 $73.08 $47.04 $26.04
 60-year-old $39.20 -$5.54 $44.74 $110.96 $71.42 $39.54
Discontinued N = 136 counties N = 126 counties
 27-year-old   $33.33 No Coverage   $38.10 No Coverage
 50-year-old   $56.81 No Coverage   $64.43 No Coverage
 60-year-old   $86.32 No Coverage   $97.42 No Coverage
  1. aPremium levels shown for nonusers of tobacco only. Cost of staying is the difference in the change in monthly after-subsidy bronze premium between the linked plan and the lowest-cost option. For those who switched, both the bronze plans were lowest-cost. For those who stayed, only the 2014 or 2015 bronze plan was lowest-cost. Finally, in counties where the bronze 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