Obamacare Median 2014 Subsidies and Penalties for Singles (Dollars)

Age
21
21
21
21
21
21
21

Income
20,000
25,000
30,000
35,000
40,000
45,000
50,000

26
26
26
26
26
26
26
31
31
31
31
31
31
31

Median Lowest- Median % of Premium Median Lowest-Cost

Cost Bronze
Bronze
Covered by Bronze Premium, PostPremium
Subsidy
Subsidy
Subsidy
1863
1863
1863
1863
1863
1863
1863

1507
799
16
0
0
0
0

81%
43%
1%
0%
0%
0%
0%

356
1064
1847
1863
1863
1863
1863

Fine
103
153
203
253
303
353
403

20,000
25,000
30,000
35,000
40,000
45,000
50,000

1908
1908
1908
1908
1908
1908
1908

1568
860
77
0
0
0
0

82%
45%
4%
0%
0%
0%
0%

340
1048
1831
1908
1908
1908
1908

20,000
25,000
30,000
35,000
40,000
45,000
50,000

2159
2159
2159
2159
2159
2159
2159

1909
1201
418
0
0
0
0

88%
56%
19%
0%
0%
0%
0%

250
958
1741
2159
2159
2159
2159

Median
Savings from
Paying Fine

Ratio of PostMedian % Savings

Subsidy-Premium from Paying Fine (vs.
to Fine
Paying Premium)

253
911
1644
1610
1560
1510
1460

3:1
7:1
9:1
7:1
6:1
5:1
5:1

71%
86%
89%
86%
84%
81%
78%

103
153
203
253
303
353
403

237
895
1628
1655
1605
1555
1505

3:1
7:1
9:1
8:1
6:1
5:1
5:1

70%
85%
89%
87%
84%
82%
79%

103
153
203
253
303
353
403

147
805
1538
1906
1856
1806
1756

2:1
6:1
9:1
9:1
7:1
6:1
5:1

59%
84%
88%
88%
86%
84%
81%

*These results reflect complete tallies from the 50 most-populous counties in America (based on the latest Census figures, from Dec. 2012), excluding Mass. (which
Obamacare treats differently from the rest of the country) and Md. and Hawaii (as those two states exchanges were not working and thus did not allow for datacollection). These 50 most-populous counties comprise more than 29 percent of the overall U.S. population. The source for each counties' subsidy tallies is the
federal government's Marketplace Premium Databook (for federally run exchanges), the individual states' exchange websites (for state-run exchanges), or the New York
Tax Credit and Premium Rate Estimator (for N.Y., where the exchange website denies access to non-residents and where premiums are affected by a ban on age-rating).

Age
36
36
36
36
36
36
36

Income
20,000
25,000
30,000
35,000
40,000
45,000
50,000

41
41
41
41
41
41
41
46
46
46
46
46
46
46

Median Lowest- Median % of Premium Median Lowest-Cost

Cost Bronze
Bronze
Covered by Bronze Premium, PostPremium
Subsidy
Subsidy
Subsidy
2292
2292
2292
2292
2292
2292
2292

2074
1381
598
0
0
0
0

90%
60%
26%
0%
0%
0%
0%

218
911
1694
2292
2292
2292
2292

Fine
103
153
203
253
303
353
403

20,000
25,000
30,000
35,000
40,000
45,000
50,000

2426
2426
2426
2426
2426
2426
2426

2240
1563
780
0
0
0
0

92%
64%
32%
0%
0%
0%
0%

186
863
1646
2426
2426
2426
2426

20,000
25,000
30,000
35,000
40,000
45,000
50,000

2772
2772
2772
2772
2772
2772
2772

2623
2063
1280
467
0
0
0

95%
74%
46%
17%
0%
0%
0%

149
709
1492
2305
2772
2772
2772

Median
Savings from
Paying Fine

Ratio of PostMedian % Savings

Subsidy-Premium from Paying Fine (vs.
to Fine
Paying Premium)

115
758
1491
2039
1989
1939
1889

2:1
6:1
8:1
9:1
8:1
7:1
6:1

53%
83%
88%
89%
87%
85%
82%

103
153
203
253
303
353
403

83
710
1443
2173
2123
2073
2023

2:1
6:1
8:1
10:1
8:1
7:1
6:1

45%
82%
88%
90%
88%
85%
83%

103
153
203
253
303
353
403

46
556
1289
2052
2469
2419
2369

1:1
5:1
7:1
9:1
9:1
8:1
7:1

31%
78%
86%
89%
89%
87%
85%

Age
51
51
51
51
51
51
51

Income
20,000
25,000
30,000
35,000
40,000
45,000
50,000

56
56
56
56
56
56
56

Median Lowest- Median % of Premium Median Lowest-Cost

Cost Bronze
Bronze
Covered by Bronze Premium, PostPremium
Subsidy
Subsidy
Subsidy
3414
3414
3414
3414
3414
3414
3414

3365
2895
2112
1299
824
349
0

99%
85%
62%
38%
24%
10%
0%

49
519
1302
2115
2590
3065
3414

Fine
103
153
203
253
303
353
403

20,000
25,000
30,000
35,000
40,000
45,000
50,000

4003
4003
4003
4003
4003
4003
4003

4003
3758
2975
2162
1687
1212
0

100%
94%
74%
54%
42%
30%
0%

0
245
1028
1841
2316
2791
4003

61
61
61
61
61
61
61

20,000
25,000
30,000
35,000
40,000
45,000
50,000

4822
4822
4822
4822
4822
4822
4822

4822
4725
4096
3283
2808
2333
0

100%
98%
85%
68%
58%
48%
0%

64
64
64
64
64
64
64

20,000
25,000
30,000
35,000
40,000
45,000
50,000

5148
5148
5148
5148
5148
5148
5148

5148
5059
4543
3730
3255
2780
0

100%
98%
88%
72%
63%
54%
0%

Median
Savings from
Paying Fine

Ratio of PostMedian % Savings

Subsidy-Premium from Paying Fine (vs.
to Fine
Paying Premium)

-54
366
1099
1862
2287
2712
3011

0:1
3:1
6:1
8:1
9:1
9:1
8:1

-109%
71%
84%
88%
88%
88%
88%

103
153
203
253
303
353
403

-103
92
825
1588
2013
2438
3600

0:1
2:1
5:1
7:1
8:1
8:1
10:1

N/A
38%
80%
86%
87%
87%
90%

0
97
726
1539
2014
2489
4822

103
153
203
253
303
353
403

-103
-56
523
1286
1711
2136
4419

0:1
1:1
4:1
6:1
7:1
7:1
12:1

N/A
-57%
72%
84%
85%
86%
92%

0
89
605
1418
1893
2368
5148

103
153
203
253
303
353
403

-103
-64
402
1165
1590
2015
4745

0:1
1:1
3:1
6:1
6:1
7:1
13:1

N/A
-71%
67%
82%
84%
85%
92%