This report analyzes the provisions of the health reform bills passed by the U.S. House of Representatives and Senate that seek to expand and improve health insurance coverage. It focuses on: the number of people who would likely gain coverage; under which program or plan they would be covered, and the consequences for federal financing; the estimated insurance premium and out-of-pocket costs for families; the consequences for employers; and the degree to which the reorganization and regulation of insurance markets has the potential to stimulate price competition and lower costs. (A companion Commonwealth Fund report analyzes the bills' implications for health system reform.) Although there are some key differences between the bills' approaches, both would significantly reform health insurance, providing coverage to more than 30 million uninsured Americans and substantially improving the affordability of coverage for small businesses and for people who now buy insurance on their own.
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