Individuals who purchase health coverage through an “exchange” in the Senate Democrats’ health care bill would pay higher premiums than they would under current law for their plans, but new subsidies would offset the increased costs for more than half those people, according to a new analysis.

A Congressional Budget Office (CBO) reading of the Senate’s measure also indicates that part of the reason for the higher premiums is that proposed regulations in the bill would force insurance companies to offer a greater level of coverage in the plans they sold.

According to the analysis, once the bill’s programs were fully implemented in 2016, people buying insurance plans individually on the exchange would pay 10 percent to 13 percent more per person than they would under current law. But some 57 percent of people on the exchange would get subsidies in the form of tax credits, and on average those individuals would actually pay 56 percent to 59 percent less for their premiums than they would otherwise.

The average premium for those buying through the exchange would be $5,800 for a single plan, or $15,200 for a family plan.

According to CBO, however, “the majority of nongroup enrollees (about 57 percent) would receive subsidies via the new insurance exchanges, and those subsidies . . . would cover nearly two-thirds of the total premium.”