By NextBestFitWho gains and who pays more, by income (family of four with employer coverage)
The same typical employer-covered family of four at different wages: premium, tax, wage, and out-of-pocket changes combined. It shows where the plan shifts from a net gain to a net cost.
Result
+$240,000
How it's calculated
| # | Step | Arithmetic | Value |
|---|---|---|---|
| 1 | Wage $30,000: net change, Year 1 | $20,531 | |
| 2 | Wage $30,000: net change, long run | $18,677 | |
| 3 | Wage $50,000: net change, Year 1 | $18,253 | |
| 4 | Wage $50,000: net change, long run | $16,601 | |
| 5 | Wage $75,000: net change, Year 1 | $15,993 | |
| 6 | Wage $75,000: net change, long run | $14,530 | |
| 7 | Wage $100,000: net change, Year 1 | $13,733 | |
| 8 | Wage $100,000: net change, long run | $12,459 | |
| 9 | Wage $150,000: net change, Year 1 | $7,702 | |
| 10 | Wage $150,000: net change, long run | $6,929 | |
| 11 | Wage $200,000: net change, Year 1 | $3,530 | |
| 12 | Wage $200,000: net change, long run | $3,083 | |
| 13 | Wage $250,000: net change, Year 1 | −$805 | |
| 14 | Wage $250,000: net change, long run | −$922 | |
| 15 | Wage $300,000: net change, Year 1 | −$3,586 | |
| 16 | Wage $300,000: net change, long run | −$4,709 | |
| 17 | Wage $400,000: net change, Year 1 | −$7,586 | |
| 18 | Wage $400,000: net change, long run | −$12,283 | |
| 19 | Wage $600,000: net change, Year 1 | −$16,340 | |
| 20 | Wage $600,000: net change, long run | −$26,025 | |
| 21 | Break-even wage (long run), found by bisection | $240,000 |
Trade-off: Replacing a flat per-family premium with income-based taxes is a transfer from high earners to everyone else. Families below roughly the break-even wage gain; those above pay more.