Individual Mandate

I heard there is a case before the Supreme Court to overturn the Affordable Care Act. Does it make sense for me to sign up for 2021 coverage if the law and its subsidies might go away?

Yes, it makes sense to sign up.  This November, the Supreme Court will hear oral arguments on a case – brought by Republican state officials and supported by the Trump Administration – to invalidate the ACA.  However, the Court likely will not rule on this case before the summer of 2021 and the outcome is not yet known. 

Meanwhile, people who need 2021 health insurance coverage through the Marketplace should sign up during Open Enrollment.  Doing so ensures your access to coverage for the entire year.  If the Court were to rule in a way that would render your coverage less affordable or desirable during the year, you would have the option to disenroll at that time.     

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

The Henry J. Kaiser Family Foundation Headquarters: 185 Berry St., Suite 2000, San Francisco, CA 94107 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.