Linda Blumberg

You’re a 26-year-old single dude, holding down a pair of part-time jobs tending bar and painting houses, and making about $24,000 a year. Thanks to Obamacare, you can finally get decent health insurance, just like people with full-time jobs at large companies do. But when you go online to check out your options, you see that even the cheapest “bronze” plan, which has high deductibles and co-payments, will cost you about $100 a month. Obamacare’s penalty for carrying no insurance next year is less than one-tenth of that. Do you buy the insurance anyway?

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Today's Washington Post brings the affordability issue into sharper relief: Under the Baucus plan, subsidies would be offered to people who earn up to 400 percent of the poverty level ($43,000 for an individual or $88,000 for a family of four) in the form of tax credits that would be paid directly to the insurance company of the person's choice.

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