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  • About Half of Adults with ACA Marketplace Coverage are Small Business Owners, Employees, or Self-Employed

    About Half of Adults with ACA Marketplace Coverage are Small Business Owners, Employees, or Self-Employed

    Issue Brief

    This analysis estimates that 48% of adults under age 65 with individual market coverage are either employed by a small business with fewer than 25 workers, self-employed entrepreneurs, or small business owners. Because the vast majority of this coverage is purchased through the Affordable Care Act (ACA) Marketplaces, changes to the ACA, including the expiration of the enhanced premium tax credits at the end of this year, would have significant implications for what small business owners and workers spend on their health care.

  • Key Issues Related to COBRA Subsidies

    Issue Brief

    Congress is considering proposals to subsidize COBRA coverage. We discuss the group market coverage that would be extended by COBRA subsidies, how COBRA costs and coverage compare to other common coverage options for those who lose job-based coverage (ACA Marketplace plans or Medicaid), and key considerations regarding COBRA subsidies for consumers and employers.

  • Kaiser Family Foundation/New York Times/CBS News Non-Employed Poll

    Poll Finding

    To help shed light on recent trends in the U.S. employment market, the Kaiser Family Foundation partnered with the New York Times and CBS News to conduct a survey of adults between the ages of 25-54 (generally considered to be prime working age) who are not currently employed. Rather than focusing only on those who meet the official government definition of unemployment, this survey takes a broad look at all prime-age adults who are not working, regardless of their desire for work or job-seeking activities. While the official U.S. unemployment rate has declined since the start of the recession in late 2007, the total share of adults who are not employed has risen in recent years. This survey examines the views and experiences of this broad group of prime-age workers who are not employed, including how they get by financially, the factors to which they attribute their lack of employment, what it would take to get them working, and – for those who used to work – how being out of work has changed their lives.

  • ACA Coverage Expansions and Low-Income Workers

    Issue Brief

    This brief highlights low-income workers and the impact of ACA coverage expansions on this population. Low-income workers may not have access to jobs that provide full-time, full-year employment or jobs with comprehensive benefit packages, including health insurance. Medicaid plays an important role in providing health coverage for low-income workers, and coverage expansions implemented under the ACA have produced substantial coverage gains for low-income workers and a corresponding reduction in the uninsured. However, low-income workers in non-expansion states with incomes too high for Medicaid but too low for subsidies in the Marketplace do not have an affordable coverage option and will likely remain uninsured.