When President Joe Biden addressed a joint session of Congress late last month, he briefly exhorted lawmakers to “lower deductibles for working families” who get their health insurance on the Affordable Care Act exchanges. But Sen. Jeanne Shaheen (D-N.H.) in late February had answered that call by introducing legislation that would tie premium tax credits to gold-tier plans rather than silver, effectively making richer-benefit plans less expensive.

To find out how such a move would impact individual market consumers and insurers, AIS Health, a division of MMIT, spoke to health policy experts and actuaries who closely track the practical implications of ACA changes.

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