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Data Note: 2020 Medical Loss Ratio Rebates

Private insurance companies expect to pay a record of $2.7 billion in rebates to consumers in 2020 due to excessive premiums in recent years – nearly double last year’s then-record total.

Affordable Care Act Premiums Are Falling in Many Areas of the U.S. in 2020, But Changes Vary Widely By County and Type of Plan, County-Level Analysis Shows 

Although premiums for Affordable Care Act Marketplace benchmark silver plans are decreasing on average across the U.S. in 2020, changes vary widely by geographic location and plan type, including premium increases in a number of counties and plans, according to a new KFF analysis of county-level data. The analysis of…

300+ FAQs Help Consumers Understand the ACA Marketplaces as Open Enrollment Begins

Ahead of the annual Affordable Care Act (ACA) open enrollment period, the time during which consumers can shop for health plans or renew existing coverage, KFF has updated and expanded its searchable collection of more than 300 Frequently Asked Questions about open enrollment, the health insurance marketplaces and the ACA.…

ACA Open Enrollment: If You Are Low-Income

This fact sheet explains 2020 health coverage options that may be available to people who have low incomes, including Medicaid coverage or individual insurance plans through Affordable Care Act (ACA) marketplaces.

ACA Open Enrollment: If You Shop on Private Websites Instead of HealthCare.gov

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.

Pre-Existing Condition Prevalence for Individuals and Families

This analysis estimates that almost 54 million people – or 27% of all adults under 65 —have pre-existing health conditions that would likely have made them uninsurable in the individual markets that existed in most states before the Affordable Care Act. Almost half (45%) of non-elderly families include at least one adult with such a pre-existing condition. The analysis also includes estimates by age, state and gender.

Data Note: 2019 Medical Loss Ratio Rebates

We estimate insurers will be issuing a total of at least $1.3 billion in MLR rebates across all markets – exceeding the previous record high of $1.1 billion in 2012, due in part to the record profits insurers made in 2018. The amount varies by market, with insurers reporting at least $743 million in the individual market, $250 million in the small group market, and $284 million in the large group market.

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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.