David Cutler, John Bertko, Topher Spiro, and Emily Gee
David Cutler is the Otto Eckstein Professor of Applied Economics at Harvard University. John Bertko is the chief actuary for Covered California, the state’s health insurance exchange. Topher Spiro is the vice president for health policy at the Center for American Progress. Emily Gee is a health economist at the Center for American Progress.
Latest articles by David Cutler, John Bertko, Topher Spiro, and Emily Gee


The plan hits low-income and older enrollees the hardest.


The tax credit levels are still not sufficient to avoid significant cost increases for most enrollees.