"A new CBO report, requested by Sen. Evan Bayh (D-IN) contains some helpful, though not unexpected information about the impact of Senate health care legislation on insurance premiums, particularly in the individual market.
According to CBO, average premiums in the individual market would increase 10 to 13 percent because of provisions in the Senate health care bill, but, crucially, most people (about 57 percent) would actually find themselves paying significantly less money for insurance, thanks to federal subsidies for low- and middle-class consumers, than they would under current law.
Those are two separate findings, but it seems likely that Republicans will use the former finding to attack reform, claiming it will raise people's premiums, and leave people confused about the second finding, which is actually the one that impacts people's pocket books.
Those who keep their "cadillac" insurance would end up paying higher premiums than they do today, and those
who choose instead to choose less luxurious policies would pay lower premiums.
"[P]eople who remained in high-premium plans would pay higher premiums under the excise tax than under current law, and people who shifted to lower-premium plans would pay lower premiums under the excise tax than under current law," the report reads."