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  • A promotional image for the the KFF Health Policy 101 Medicare chapter

    The Affordable Care Act 101

    Feature

    This Health Policy 101 chapter provides an overview of the Affordable Care Act (ACA), a major reform of the U.S. health care system aimed at reducing high uninsured rates and alleviating issues like high out-of-pocket costs and coverage exclusions for preexisting conditions. The ACA significantly altered many aspects of the health system and the chapter explores its mechanisms, such as the Health Insurance Marketplaces, and the evolution of the law since its passage in 2010…

  • Recent Changes in Medicaid Financing in Puerto Rico and Other U.S. Territories

    Issue Brief

    The U.S territories – American Samoa, the Commonwealth of the Northern Mariana Islands (CNMI), Guam, Puerto Rico, and the U.S. Virgin Islands (USVI) – have faced longstanding fiscal and health challenges exacerbated by recent emergencies. This issue brief provides background on how Medicaid financing differs between U.S. territories and states and what these differences mean for funding as well as health care coverage and access.

  • How can I compare covered benefits in different Marketplace plans?

    FAQs

    Although all Marketplace health plans are required to cover the ten categories of essential health benefits, insurers in many states have flexibility to modify coverage for some of the specific services within each category, subject to approval by their Marketplace. All health plans must provide consumers with a Summary of Benefits and Coverage (SBC) to make it easier to compare differences in health plan benefits and cost sharing. It is also available for each plan…

  • I am about to turn 65 and sign up for Medicare but I’m not sure what my options are for coverage. Where can I go for more information?

    FAQs

    To learn more about your coverage options under Medicare, including the Medicare Advantage plans, Part D prescription drug plans, and Medicare supplement policies (Medigap) available in your area, and how to enroll, you can go to the Medicare coverage comparison website, a searchable tool on the Medicare.gov website, or call 1-800-MEDICARE (1-800-633-4227). You can also contact the State Health Insurance Assistance Program (SHIP) in your state or the Social Security Administration. SHIPs offer local, personalized…

  • I want to switch from Medicare Advantage to traditional Medicare, but I still want drug coverage. What do I need to do?

    FAQs

    If you switch from a Medicare Advantage plan to traditional Medicare and you want drug coverage, you can sign up during the Medicare Open Enrollment period for a stand-alone prescription drug plan in your area. Your new coverage will take effect on January 1. You can also switch from Medicare Advantage to traditional Medicare during the Medicare Advantage Open Enrollment period between January 1 and March 31, when you can sign up for a stand-alone…

  • How Might Expiring Premium Tax Credits Impact People with HIV?

    Issue Brief

    This issue brief provides an overview of the potential impact not extending enhanced ACA premium tax credits could have on people with HIV and the Ryan White HIV/AIDS Program. Enhanced credits have improved insurance coverage affordability for millions of people, including those with HIV. People with HIV may be particularly vulnerable, given that they are more likely to have Marketplace plans and many also rely on the federally-funded Ryan White HIV/AIDS Program to help cover…