How Would Health Care Reforms Change the Spending of California Families Without an Employer Plan?

This paper examines health care spending for the estimated two million Californians who would qualify for subsidies under the proposed insurance exchanges in the House and Senate health reform bills. Accounting for premiums and average out of pocket costs, both bills would result in significant savings for low- and moderate-income families compared to costs in the current individual market. The House bill would result in lower spending than the Senate bill for the lowest-income individuals and families, especially those with high health care use.

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