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  • KFF Data Note: A Snapshot of Public Opinion on the Individual Mandate

    Perspective

    This week, the Supreme Court hears arguments on several challenges to the Patient Protection and Affordable Care Act (ACA), including the provision that requires individuals to purchase health insurance as of 2014, known as the individual mandate. For the two years since the law’s passage, and during the debate leading up to it, this provision has been one of the most controversial aspects of the law. As the lawyers, policymakers, ACA opponents and supporters focus…

  • The Individual Mandate: How Sweeping?

    Perspective

    The so-called "individual mandate"  – the provision under the Affordable Care Act (ACA) that requires most individuals to carry a minimum level of insurance coverage and is now being considered by the Supreme Court – has emerged as the least popular element of the reform law and the prime target for its opponents. Yet in practice, the mandate may not be quite as far-reaching as the controversy over it suggests. The vast majority of Americans already…

  • Individual Insurance Market Performance in 2017

    Issue Brief

    This brief examines recently-released annual financial data from 2017 and finds insurers selling individual market plans had their best financially since 2014, when new ACA insurance market rules took effect that guaranteed access to coverage for people with pre-existing conditions. At the same time, recent political and policy changes, including the repeal of the individual mandate penalty as part of tax reform legislation and proposed regulations to expand loosely-regulated short-term insurance plans, cloud plans’ outlook…

  • Analysis: Individual Market Insurers Experienced Their Best Financial Year under the ACA in 2017, Though Subsequent Political and Policy Changes Complicate the Outlook for Future Years

    News Release

    Insurers in 2017 had their best financial year selling individual market health insurance since the Affordable Care Act began requiring guaranteed access to coverage for people with pre-existing conditions in 2014, though recent political and policy changes create new challenges for insurers trying to succeed in this market, new Kaiser Family Foundation analysis finds. This analysis finds insurers posted their strongest performance in the individual market using two different financial indicators: The average share of…

  • What’s the Near-Term Outlook for the Affordable Care Act?

    News Release

    With congressional Republicans’ efforts to repeal the Affordable Care Act on hold, a new issue brief from the Kaiser Family Foundation answers questions about the current state of the 2010 health law, zeroing in on the individual insurance marketplaces that the law established. Questions addressed by the brief include: Is Obamacare failing? How would administrative actions affect market stability? What happens if the market fails? What might be done to strengthen the Marketplaces?

  • Early Analysis of 21 Major Cities Tracks ACA Marketplace Premium Changes, Insurer Participation, Uncertainty

    News Release

    As insurers grapple with continuing uncertainty surrounding 2018 Affordable Care Act (ACA) marketplaces, a new Kaiser Family Foundation analysis of initial filings in 21 major cities finds that changes in 2018 benchmark silver plan premiums are likely to range widely, from a decrease of 5 percent in Providence, R.I., to an increase of 49 percent in Wilmington, Del., without factoring in tax credits. However, the analysis finds that preliminary rates will likely change, and some…

  • 2019 Premiums for ACA Silver Plans Will Be 16 Percent Higher Than They Would Have Been Absent the Repeal of the Individual Mandate, Expansion of Short-Term Plans and Loss of Federal Cost-Sharing Payments, Analysis Finds

    News Release

    Although 2019 premiums for plans in the Affordable Care Act marketplaces are flat or falling in many parts of the country, they would be substantially lower still if not for several Trump administration-backed changes to private insurance markets, finds a new KFF analysis. ACA silver-level plans sold in the marketplaces will cost an average of 16 percent more than they otherwise would have, thanks to the combined effects of the loss of ACA cost-sharing reduction…