Don't depend on Kaiser to determine your premiums

Published: Thursday, Nov. 7, 2013 - 10:11 am
Last Modified: Thursday, Nov. 7, 2013 - 11:20 am

Re "Kaiser price more than doubles" (Letters, Nov. 7): The letter writer complains that she would be charged roughly double for the new Affordable Care Act plan offered by Kaiser. What she fails to recognize is that Kaiser doesn't know our annual income -- a factor which determines the tax credits and the premiums actually paid.

If one goes to the Covered California website and inputs the information for a single 63-year-old making $45,000 annually and living in the 95841 zip code, there are two Bronze plans offered by Kaiser. The more expensive one has a base price of $603 per month. That figure, however, does not include the $421 monthly premium assistance which reduces the actual cost of the plan to $182 per month.

So, if those figures accurately represent the letter writer, she would be paying a premium of $182 per month instead of her current premium of $317 per month.

-- Donald D. deRosier, Carmichael

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