How would the Senate health care bill affect you?

An analysis by the Congressional Budget Office released Monday offered some new perspective on the massive overhaul being discussed by the Senate.

The bill's effects depend on how you get your insurance now, the CBO said.

Overall, the CBO figures that costs would go up because insurance companies would be charged new fees by the government and required to cover more services.

At the same time, it also believes the influx of newly insured Americans and the standardization of benefits would reduce the administrative costs. It also finds that increased competition in many states would slightly reduce average premiums.

Here's a breakdown of how the bill would affect you (see Table 1 for further detail):

IF YOU WORK FOR A BIG COMPANY:

Premiums would drop slightly (up to 3 percent) or stay the same.

Most people in this group would not buy insurance on the exchanges.

IF YOU WORK FOR A SMALL BUSINESS:

Premiums would go up slightly (up to 1 percent) or drop slightly (up to 2 percent).

About 12 percent of people would receive tax credits to buy insurance on the exchanges. For those people, premiums would be an average of 8 to 11 percent less than if the bill doesn't pass.

IF YOU BUY INSURANCE ON YOUR OWN:

Premiums would go up between 10 and 13 percent.

About 57 percent of people would receive tax credits to buy insurance on the exchange. For those people, premiums would be an average of 56 to 59 percent less than if the bill doesn't pass.

IF YOU ARE UNINSURED:

You would be required to buy health insurance.

However, you would have access to the health insurance exchanges and subsidies if you were making below 400 percent of the federal poverty level (or $88,200 for a family of four).

Ryan Teague Beckwith is deputy editor of Congress.org.