b'Associate Member NewsAffordable Care Act (ACA or Obamacare) Premiums, Subsidies, Deductibles and Out-of-Pockets: According to CMS, 24.2 million people signed up for Obamacare Average Obamacarepolicies during the 2025 open enrollment period (an increase of 2.8Metal Plan Deductibles (2025):8million (13.1%) over 2024 but far short of what was predicted when the Bronze Plan (single) = $7,186law was originally passed). HealthInsurance.org estimates that 93% of Obamacare enrollees receive premium subsidies that cover 89% of the Silver Plan (single) premium! HealthInsurance.org also determined the average full-price(excluding cost-sharingObamacare premium in 2024 was $603/month, and the average premiumreduction) = $4,902subsidy was $536/month leaving the subsidized insured to pay a mere $67/month! 6In addition to the premium subsidies, half of all people who Gold Plan (single) = $1,403enrolled in marketplace plans (10.4 million insureds) received additional Platinum Plan (single)cost-sharing reduction subsidies to reduce out-of-pocket costs. These supplemental subsidies are available to households with incomes of up to= $100 (est.)250% of the federal poverty level (FPL).Out-of-Pocket MaximumsAverage Obamacare (federally mandated):7Annual Maximum Out-of-Premium (2025) (single / unsubsidized): All Plans: $590/month ($7,080/year) Pocket Limit (single) = $9,200 ($10,150 in 2026) Bronze Plan: $495/month ($5,940/year)Annual Maximum If you have questionsabout Medicare andSilver Plan: $618/month ($7,416/year) Out-of-Pocket Limit Medigap policies or (family) = $18,400 would like a free copy ofGold Plan: $655/month ($7,860/year) ($20,300 in 2026) the federal governmentsPlatinum Plan: $1,166/month ($13,992/year) Medicare handbook, please visit our website at wmimedigap.com or contact our office at (801) 263-8000 .8See, kff.org/affordable-care-act /issue-brief/deductibles-in-aca- 6See, https://www.healthinsurance.org/glossary/premium-subsidies/marketplace-plans/. The average7See, https://www.forbes.com/advisor/health-insurance/how-much-does-health-insurance- platinum plan deductible is an estimateScost/ based on the 2024 KFF report.WPMA News / Summer 202551'