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Many Consumers Prefer Off-Exchange Health Plans

A large number of Americans who qualify for premium subsidies are bypassing them by purchasing health insurance outside the Affordable Care Act’s insurance exchanges, according to a study by Health Affairs...
August 15, 2017

A large number of Americans who qualify for premium subsidies are bypassing them by purchasing health insurance outside the Affordable Care Act’s insurance exchanges, according to a study by Health Affairs. Nearly 41 percent of the 6.3 million people who bought off-marketplace plans in 2015 had incomes from 100 percent to 400 percent of the federal poverty level, according to a new study in Health Affairs. These consumers could have received federal tax credits to make premiums more affordable, but only if they bought insurance through an ACA exchange.

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