Each policy scenario is independent, not cumulative, and holds constant all values that are based on other budget components, including other necessities and taxes. The third scenario zeroes out health insurance premium costs while retaining out-of-pocket health care expenses. 19% of income from other sources comes from the average incomes for four family types published by the CBO (CBO 2022). 19% is made up of social insurance and means tested transfers (10%) and nonwage market income (9%).