In the 13 states plus D.C. (which I will abbreviate as 13+DC), a 27-year-old would have to make 59 percent of the median income of his peers, or less, to come out ahead with regard to Obamacare’s subsidies. A 40-year-old would have to make less than 57 percent of the median income for his peers. On the other hand, older people fare better; the average 64-year-old who makes less than 111 percent of the median income for 64-year-olds will spend less on premiums than he did before.
However, the overall results make clear that most people will not receive enough in subsidies to counteract the degree to which Obamacare drives premiums upward. Remember that nearly two-thirds of the uninsured are under the age of 40. And that young and healthy people are essential to Obamacare; unless these individuals are willing to pay more for health insurance to subsidize everyone else, the exchanges will not serve the goal of providing coverage to the uninsured.