Cost and Coverage: The Impact of Implementing Various State Health Care Reform Proposals Nationally. Health Insurance Premium Subsidy Programs


Premium subsidy programs provide financial support to individuals and families for the payment of health insurance premiums.  Participation is usually limited to low-income individuals with earnings that are no more than two or three times the Federal Poverty Level (FPL), with the exact income limit varying from program to program.  Subsidy amounts can vary based on a sliding scale, providing the most assistance to the lowest income participants and the least to those at the highest end of the income eligibility limit.  Coverage is typically provided through the private insurance market, either through enrollment in an employer-sponsored insurance (ESI) plan or a state-contracted benefit plan.

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