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Marketplace plans can now be sold through private websites, sometimes described as "direct enrollment” sites or “certified enrollment partner” sites. This short fact sheet explains how these sites and the plans they offer may differ from what consumers will find on HealthCare.gov.
This short explainer provides an overview of open enrollment and the 2020 individual insurance market, including Affordable Care Act (ACA) marketplaces, for consumers who buy their own plans rather than getting insurance through an employer.
For incomes too high to qualify for federal subsidies, 60-year-old adults spend significantly more of their income on the lowest premiums for ACA-compliant coverage.
Karen Pollitz, senior fellow for health reform and private insurance at KFF, answers three questions about denied claims and how the federal government may change the data insurers are required to report on this issue.
This analysis finds that Affordable Care Act marketplace premiums are least affordable for older adults who earn too much to qualify for federal subsidies, especially those living in rural areas where premiums are highest. The analysis also discusses a variety of state and federal proposals that seek to lower premiums for middle-class people buying their own insurance who are ineligible for ACA subsidies.
Healthcare.gov marketplace insurers denied nearly one out of every five claims (19%) submitted for in-network services in 2017, and enrollees only appeal a tiny share (0.5%) of those denied claims, a KFF analysis of recently released claims data finds. The analysis finds a huge variation across insurers, with average denial rates as low as 1 percent and as high as 45 percent. Denial rates also vary across states, though individual insurers in the same state…
This week, the Trump administration proposed new rules around abortion coverage in the ACA Marketplace plans. Here’s how state policies shaping access to abortion coverage in Medicaid and private insurance have changed before and after the passage of the health law.
We have data on the number and share of uninsured in each state who have access to free bronze plans.
This analysis looks at how many of the remaining uninsured are eligible for premium subsidies that are large enough to cover the entire cost of a bronze plan, which is the minimum level of coverage available on the Marketplaces. It estimates 27% of uninsured individuals who could shop on the ACA Marketplace, or 4.2 million people nationwide, are eligible to purchase a bronze plan with $0 premiums after subsidies in 2019.
KFF analysis of Healthcare.gov data from marketplace plans on the federal insurance exchanges shows that despite the changes to the Affordable Care Act in recent years, deductibles for those with low incomes have remained relatively stable since 2017.
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