Congressional Budget Office: “Although premiums have been rising under current law, most subsidized enrollees purchasing health insurance coverage in the nongroup market are largely insulated from increases in premiums because their out-of-pocket payments for premiums are based on a percentage of their income; the government pays the difference between that percentage and the premiums for a reference plan… Nevertheless, a small number of people live in areas of the country that have limited participation by insurers in the nongroup market under current law.”
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