Indiana QHP holders are paying a little more for their coverage than the HHS exchange average. (Image courtesy of Baitong333/FreeDigitalPhotos.net)

The typical public exchange plan user may have a household income low enough to qualify for substantial premium subsidies — and even cost-sharing reduction subsidies.

Paul Houchens, an actuary at Milliman, looks at exchange qualified health plan (QHP) users in a presentation he prepared for the Indiana chapter of the Healthcare Financial Management Association.

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