Exhibit 5: Variation in Projected Out-of-Pocket Cost for Medium Users of Health Care in Silver Plans

Largest City in States Using Healthcare.gov

Select income level:

$17,000 $20,000 $25,000 $35,000

Notes: Second-lowest-cost silver plans, 40-year-old male, largest city in state. The amounts include 36 states that use the HealthCare.gov platform, excluding Alaska and Hawaii at the $17,000 level because adults in those state would qualify for Medicaid at this income level, and 37 plans for adults with incomes of $20,000, as adults in Alaska would qualify for Medicaid at this income level. OOP costs is either the difference between total expected costs and the annual premium cost to the enrollee, or the plan's out-of-pocket limit.

Source: Commonwealth Fund analysis of HealthCare.gov data