Page 5 - Comparison ACA vs STM-ConncetValue plus Care Access Plan

SHORT TERM MEDICAL: CONNECT VALUE PLANS 2 X 6 MONTHS and 1x12 MONTHS
AGE: 35

Premium $160.91 (2x6 months plans); $215.30/month (1x12 months plan)
Hospital Stay 4 days

Hospital Bill Basic bill = Medical Basic bill - Premiums Cost Premium Cost 1x12 months
Deductible + Supplemental (Care Access of (2 x 6 = 12 of (1x12 = 12 plan: Annual
5,000 Coinsurance (Care Access Plan months STM months STM Net Cost of
10,000 Cost Plan subsidy) subsidy) plans) + Care plan) + Care Health
15,000 Access Plan = Access Plan = Coverage =
20,000 3000 4000 -1,000 $1,930.92/year; $2,483.60/year; Premiums +
25,000 4,000 4000 0 26% of ACA 35.5% of ACA Your Net
30,000 5,000 4000 1,000 Plan Plan Medical Bills
35,000 6,000 4000 2,000 1,930.92 2,583.60 1,583.6
40,000 6,500 4000 2,500 1,930.92 2,583.60 2,583.6
45,000 6,500 4000 2,500 1,930.92 2,583.60 3,583.6
50,000 6,500 4000 2,500 1,930.92 2,583.60 4,583.6
55,000 6,500 4000 2,500 1,930.92 2,583.60 5,083.6
60,000 6,500 4000 2,500 1,930.92 2,583.60 5,083.6
6,500 4000 2,500 1,930.92 2,583.60 5,083.6
6,500 4000 2,500 1,930.92 2,583.60 5,083.6
1,930.92 2,583.60 5,083.6
1,930.92 2,583.60 5,083.6
1,930.92 2,583.60 5,083.6

Hospital Bill

50,000

40,000 Basic bill = Deductible + Coinsurance
Cost

30,000 Medical Supplemental (Care Access
Plan subsidy)

Basic bill - (Care Access Plan subsidy)

20,000

10,000 Premiums Cost of (2 x 6 = 12
months STM plans) + Care Access
0 Plan = $1,930.92/year; 26% of ACA
1 2 3 4 5 6 7 8 9 10 11 Plan

-10,000 Premium Cost of (1x12 = 12 months
STM plan) + Care Access Plan =
$2,483.60/year; 35.5% of ACA Plan