Romneycare vs. Obamacare

  @Money June 3, 2013: 5:41 PM ET
NEW YORK (Money Magazine)

What's in store when the last pieces of our national health care plan fall into place this January?

Here's how the Massachusetts health care plan compares to Obama's national plan.

Access to insurance

Massachusetts: Before and after reform, you cannot be denied insurance based on your health or charged more if you are sick.

National: Starting in 2014, the same rules will apply everywhere.

How individuals can shop for a plan

Massachusetts: Via Health Connector, an online marketplace of policies that meet certain minimum requirements, or directly from insurers.

National: Your state's website or directly from insurers. Some states plan standardized policies, making comparing easy.

Related: The Massachusetts (health care) experiment

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Romneycare vs. Obamacare
How the trailblazer stacks up to the national plan.
Massachusetts All 50 states
% of residents without health insurance before mandate 8% 16%
% of residents without health insurance after mandate 3% 10% by 2017 (estimate)
Annual penalty for not having insurance $1,008 to $1,272, depending on your age, assuming you don't qualify for a subsidy $285 for families in 2014 or the greater of 1% of your income, rising to 2.5% and $2,085 by 2016
Income that entitles you to a subsidized plan Up to 300% of federal poverty level, or $70,650 for a family of four in 2013 Up to 400% of federal poverty level, or $94,200 for a family of four in 2013
% of employers offering insurance 76%, up from 70% before reform 60%
Number of workers for insurance requirement 11 full-time workers 50 full-time workers
Annual penalty for not offering insurance $295 per full-time employee $2,000 per full-time employee (first 30 exempt)
Required coverage Prescription, mental-health, and maternity coverage. Maximum in-network out-of-pocket costs: $5,000 for singles and $10,000 for families. Will vary by state, but must include mental health and maternity (except for large group and self-insured plans). Maximum in-network out-of-pocket costs: $6,250 for singles and $12,500 for families
Sources: Urban Institute, CBO, Blue Cross Blue Shield of Massachusetts Foundation, Massachusetts Department of Revenue, Towers Watson, Kaiser Family Foundation, Health Connector, CHIA
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