How will the exchange work

Here is an example of how the health insurance "exchange" proposed in the house health reform bill will work.  How much you pay is based on your household income.  As you can see the middle class will suffer greatly from the way it is currently structured.  A household earning just $73,000 a year will have to pay nearly $8,800 a year!  This model is very troublesome.

* HOUSEHOLD      INCOME	$27,465	$36,620	$54,930	$73,240	$100,000
Plan Status	Family of 4	Family of 4	Family of 4	Family of 4	Family of 4
As % of Poverty Level	125%	167%	249%	332%	453%
Maximum Premium	3% of income	5.5% of income	10% of income	12% of income	n/a
Actual Health Plan Cost	$12,000	$12,000	$12,000	$12,000	$12,000
Gov’t Tax Credit / Subsidy	$11,176	$7,986	$6,507	$3,211	$0
Actual Family Cost	$824	$2,014	$5,493	$8,789	$12,000
Individual Penalty	$600	$1,000	$1,500	$2,000	$2,500
Maximum OOP	3% actuarial value	15% actuarial value	30% actuarial value	N/A	N/A