1. For a middle-age person, before tax credits, premiums for comparable coverage would be similar under each plan
Annual individual market premium for a silver plan, before and after tax credit (175% FPL), 2026
40-year-old
ACA
Senate BCRA
House AHCA**
Before tax credit
$6,500
$6,400 (-2%)
$6,550 (+1%)
After tax credit
$1,700*
$3,000 (+76%)
$2,900 (+71%)
21-year-old
Before tax credit
$5,100
$4,100 (-20%)
$4,200 (-18%)
After tax credit
$1,700*
$2,200 (+29%)
$1,750 (+3%)
64-year-old
Before tax credit
$15,300
$20,500 (+34%)
$21,000 (+37%)
After tax credit
$1,700*
$6,500 (+282%)
$16,100 (+847%)
Congressional Budget Office
*Under the ACA, a person of this income buying a silver plan would be eligible for cost-sharing assistance (87% Actuarial Value) making their silver plan more similar to a gold or platinum plan.
** Premiums shown for a state without a waiver. Average AV is 65%, which is somewhat less generous than a silver plan (70%).

2. Income Below 200% of Poverty Income 200% of Poverty or Above
Low-income, older adults would face highest premium increases under Senate BCRA
Monthly Premium for a Silver Plan Among Exchange Enrollees (By Income and Age), 2020
Income Below 200% of Poverty
Income 200% of Poverty or Above
Age
ACA Premium After Tax Credit
BCRA Premium After Tax Credit
% Change
< 18
$26
$58
121%
$176
$170
-4%
18-34
$57
$103
82%
$247 0%
35-44
$69
$149
117%
$296
$369
25%
45-54
$67
$215
223%
$323
$556
72%
55-64
$272
294%
$399
$782
96%
65 +
$76
288%
$439
$862
Overall
$61
$168
177%
$311
$489
57%
Source: Kaiser Family Foundation
Kaiser Family Foundation. Premiums under the Senate Better Care Reconciliation Act, Jun

3. States with older, lower-income, rural populations would see average premiums more than 100% higher under the BCRA than current law
Kaiser Family Foundation. Premiums under the Senate Better Care Reconciliation Act, Jun

4. Some states would see higher average premium increases than others under the Senate BCRA
Percent Difference in Average Monthly Silver Premiums After Tax Credits under BCRA vs. ACA, 2020
Kaiser Family Foundation. Premiums under the Senate Better Care Reconciliation Act, Jun

5. Silver Plans with Cost-Sharing Reductions for Lower-Income Enrollees
Average Deductible in Marketplace Plans with Combined Medical and Prescription Drug Deductibles, 2017
Silver Plans with Cost-Sharing Reductions for Lower-Income Enrollees
Source: Kaiser Family Foundation analysis of data from Healthcare.gov. Note: Under the ACA, people purchasing silver plans on-exchange who have incomes below 250% of the poverty level (about $30,000 for a single individual or $60,000 for a family of four) receive reduced cost-sharing, meaning their plans have lower deductibles. Typically, silver plans have an actuarial value of 70%, meaning that on average the plan pays 70% of the cost of covered benefits for a standard population of enrollees, with the remaining 30% of total costs being covered by the enrollees in the form of deductibles, copayments, and coinsurance.