1. Premium Affordability: Insurance-Related Premium Subsidies
Income Range
Premium as a Percentage
of Income
Below 150% FPL
Single
$16,245 or lower 0%
Family
$27,465 or lower
15% tax bracket
$16,245–$33,949 5%
$27,465–$67,899
25% tax bracket
$33,950–$82,249
10%
$67,900–$137,049
28% tax bracket
$82,250–$171,549
12%
$137,050–$208,849
33% tax bracket
$171,550–$372,949
No cap
$208,850–$372,949
35% tax bracket
$372,950 or higher
$372,950 of higher
Note: Family income ranges based on family size of three.
Source: United States Department of Health and Human Services, “Annual Update of the HHS Poverty Guidelines,” Federal Register: Jan. 23, 2009 (Vol. 74, No. 14), ; United States Internal Revenue Service, 2009 Tax Rate Schedule X and Y-1.
THE COMMONWEALTH
FUND