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.
|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|
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|Overnight Avg Rate||Latest||Change||Last Week|
|30 yr fixed||4.34%||4.33%|
|15 yr fixed||3.38%||3.34%|
|30 yr refi||4.35%||4.32%|
|15 yr refi||3.36%||3.32%|
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