Some married couples would pay thousands of dollars more for the same health insurance coverage as unmarried people living together if the health insurance overhaul plan pending in Congress is passed.
The built-in “marriage penalty” in both House and Senate versions of the health care bill has received scant attention. But for scores of low- and middle-income couples, it could mean a hike of $2,000 or more in annual insurance premiums the moment they say “I do.”
The disparity could come about in part because subsidies for purchasing health insurance under the plan from House Democrats are pegged to federal poverty guidelines. That would have the effect of limiting subsidies for married couples with a combined income, compared with if the individuals were single.
People who got their health insurance through an employer wouldn’t be affected, but people who bought subsidized insurance through new exchanges set up by the legislation would.
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