Does the calculator provide definitive estimates of what people would pay under the health reform law?
No. The calculator is intended to illustrate how families in varying circumstances would be affected by the tax credits and limits on age rating included in the law. In addition to what people would pay in premiums, they would also have out-of-pocket expenses for cost sharing (e.g., deductibles and coinsurance), which in some cases would be subsidized based on income. In addition, there are many other elements of these proposals that could increase or decrease how much people pay, including efforts to make the health care system more efficient and additional revenue measures to finance the federal cost of reform. The calculator provides illustrative estimates in 2014 when the premium subsidies begin, though these estimates depend on assumptions about what premiums will be at that point.
