What’s the True Cost of Health Insurance Without Subsidies in the U.S.?

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The Affordable Care Act: Making Health Insurance More Accessible

The Affordable Care Act (ACA), also known as Obamacare, has made health insurance more accessible and affordable for millions of Americans by introducing health insurance marketplaces and providing government subsidies to lower-income individuals.

Non-Subsidized Health Insurance Costs

For those not eligible for subsidies, the average monthly cost of non-subsidized health insurance for a single person on a benchmark Silver plan is $450. The plan you choose can significantly impact your monthly premiums.

Impact of the American Rescue Plan Act (ARPA)

The ARPA expanded eligibility for subsidies, allowing more Americans to receive federal assistance with their healthcare plans. As a result, the number of Americans eligible for subsidies increased by 20%, or millions of people.

Rising Healthcare Costs

Despite the subsidies, health insurance premiums have risen significantly over the past decade due to the increasing cost of healthcare services. The affordability issue persisted, with a large percentage of people remaining uninsured.

Annual Deductibles

In addition to premiums, consider the cost of annual deductibles, which are the fees you pay out of pocket before your health plan covers most services. The average family plan deductible in 2020 was $8,439, up 5% from the previous year.

Non-Subsidized Health Insurance Costs for Families

For a family of four, the average monthly premium for non-subsidized health insurance is $1,437. This equates to an annual premium cost of $17,244 and deductible costs of $7,767.

Finding Affordable Health Insurance

If you are not eligible for subsidies, eHealth can help you find a plan that meets your needs and budget. Their licensed brokers can assist you in any state, 24/7, online, through live chat, or by phone.

Conclusion

The Affordable Care Act and the American Rescue Plan Act have

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