Health care reform bills pending in the United States Congress in 2009 generally penalize individuals in some fashion for failing to acquire health insurance coverage but subsidize individuals who purchase insurance if their income is within certain bounds. This Demonstration explores the extent of the premium subsidy provided under the two leading reform contenders, HR 3590, the Patient Protection and Affordable Care Act (Senate), and HR 3962, the Affordable Health Care for America Act (House of Representatives). These bills generally make the amount of the subsidy a function of one's income relative to the "federal poverty level". You select where the person lives as well as the size of the family. These selections determine the applicable federal poverty level. You then set the family's income using either a direct method or one in which income is a multiple of the applicable federal poverty level. You also determine the annual amount the law uses as a basis for computing the subsidy. This amount will reflect conditions in the post-reform health insurance market.