Jason Levitis
@jasonlevitis.bsky.social
Health and tax policy and law, private insurance, Marketplaces, 1332 waivers, admin burdens. Led ACA implementation at Treasury. Now Urban Institute, SHVS, and Yale Solomon Center.
For more information on how enhanced PTCs help older people, people in high-premium areas, small businesses, etc., check out these papers.
www.urban.org/research/pub...
www.urban.org/research/pub...
www.urban.org/research/pub...
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www.urban.org/research/pub...
www.urban.org/research/pub...
www.urban.org/research/pub...
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Eligibility Cliff on ACA Tax Credits Would Make Health Care Unaffordable for Middle-Class Families
A key sticking point in the government shutdown debate is the upcoming reductions in the premium tax credit (PTC), particularly how the credit declines as in…
www.urban.org
November 9, 2025 at 4:20 AM
For more information on how enhanced PTCs help older people, people in high-premium areas, small businesses, etc., check out these papers.
www.urban.org/research/pub...
www.urban.org/research/pub...
www.urban.org/research/pub...
End/
www.urban.org/research/pub...
www.urban.org/research/pub...
www.urban.org/research/pub...
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Younger people are not immune from this logic, especially in high-premium areas, which include many rural areas. A $10K FSA is a pittance towards the cost of a complex pregnancy or serious workplace accident. 4/
November 9, 2025 at 4:20 AM
Younger people are not immune from this logic, especially in high-premium areas, which include many rural areas. A $10K FSA is a pittance towards the cost of a complex pregnancy or serious workplace accident. 4/
Not that all older people see such hardships. But if you do, costs can easily run to $100Ks. This FSA proposal leaves you medically bankrupt. What you need is something that pays more if you have large expenses, so the maximum benefit exceeds the average cost. There's a name for that: insurance. 3/
November 9, 2025 at 4:20 AM
Not that all older people see such hardships. But if you do, costs can easily run to $100Ks. This FSA proposal leaves you medically bankrupt. What you need is something that pays more if you have large expenses, so the maximum benefit exceeds the average cost. There's a name for that: insurance. 3/
With enhanced PTCs, the 63yo’s out-of-pocket premiums are capped at about $460/mo. This means PTCs are maybe $10K or $15K/yr, depending on local premiums. But if that $10K or $15K goes into an FSA and the 63yo is uninsured, the FSA is not nearly enough for a heart attack or cancer or broken hip. 2/
November 9, 2025 at 4:20 AM
With enhanced PTCs, the 63yo’s out-of-pocket premiums are capped at about $460/mo. This means PTCs are maybe $10K or $15K/yr, depending on local premiums. But if that $10K or $15K goes into an FSA and the 63yo is uninsured, the FSA is not nearly enough for a heart attack or cancer or broken hip. 2/
Another technical note is that this score includes only 1/2 the effects of the E&C piece codifying the Marketplace proposed rule, per normal CBO practice and this email they sent to staff. So relative to current law, it's another .95M.
democrats-waysandmeans.house.gov/sites/evo-su...
democrats-waysandmeans.house.gov/sites/evo-su...
democrats-waysandmeans.house.gov
May 20, 2025 at 6:02 PM
Another technical note is that this score includes only 1/2 the effects of the E&C piece codifying the Marketplace proposed rule, per normal CBO practice and this email they sent to staff. So relative to current law, it's another .95M.
democrats-waysandmeans.house.gov/sites/evo-su...
democrats-waysandmeans.house.gov/sites/evo-su...
In other words, the proposal would reduce APTC and increase out-of-pocket premiums.
April 2, 2025 at 2:59 AM
In other words, the proposal would reduce APTC and increase out-of-pocket premiums.
Beyond MOOPs, under IRS regs, the PAP is used to update individual contributions for consumers getting APTC. So assuming the IRS adopts the new PAP as usual, APTC recipients will pay about 4.5% more for a benchmark plan.
Also explained here:
www.shvs.org/recent-feder...
Also explained here:
www.shvs.org/recent-feder...
Recent Federal Marketplace Proposal Imposes New Requirements for States and Consumers
Recent Federal Marketplace Proposal Imposes New Requirements for States and Consumers
www.shvs.org
April 2, 2025 at 2:57 AM
Beyond MOOPs, under IRS regs, the PAP is used to update individual contributions for consumers getting APTC. So assuming the IRS adopts the new PAP as usual, APTC recipients will pay about 4.5% more for a benchmark plan.
Also explained here:
www.shvs.org/recent-feder...
Also explained here:
www.shvs.org/recent-feder...
Reposted by Jason Levitis
@urbaninstitute.bsky.social has a great interactive out this week on what losses might look like by state: www.urban.org/data-tools/h...
November 15, 2024 at 8:38 PM
@urbaninstitute.bsky.social has a great interactive out this week on what losses might look like by state: www.urban.org/data-tools/h...
Marking my calendar
November 15, 2024 at 6:35 PM
Marking my calendar