Individual Market - Research and Data from KFF

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

Nov 7, 2019

News Release

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 premium data from insurer rate filings to state regulators, state exchange websites and healthcare.gov shows how premiums are changing next year at the county level,…

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

Oct 28, 2019

News Release

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. Designed to help consumers and the navigators, brokers and others who assist them, the FAQs cover a wide range of topics including eligibility for subsidies,…

ACA Open Enrollment: For Consumers Considering Short-Term Policies

Oct 25, 2019

Fact Sheet

A short fact sheet provides information about short-term health insurance policies and how they differ from ACA-compliant plans.

ACA Open Enrollment: If You Are Low-Income

Oct 25, 2019

Fact Sheet

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

Oct 17, 2019

Fact Sheet

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.

ACA Open Enrollment: If You Buy Health Coverage in the Individual Market

Oct 17, 2019

Fact Sheet

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.

Nearly 54 Million Americans Have Pre-Existing Conditions That Would Make Them Uninsurable in the Individual Market without the ACA

Oct 4, 2019

News Release

Almost Half of Non-Elderly Families have At Least One Adult with a Pre-Existing Condition An updated KFF 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. The share of adults under 65 with such declinable pre-existing conditions varies significantly across states, from at least…

Pre-Existing Condition Prevalence for Individuals and Families

Oct 4, 2019

Issue Brief

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.

Private Insurers Are Expected to Pay a Record of At least $1.3 Billion in Rebates to Consumers Beginning in September for Excessive Premiums Relative to Health Care Expenses

Sep 10, 2019

News Release

Private insurance companies are expecting to pay out a record of at least $1.3 billion in rebates to consumers this fall based on their share of premium revenues devoted to health care expenses in recent years, surpassing the previous record high of $1.1 billion in 2012, according to a new KFF analysis. Individual market insurers are driving this record year, with expected rebate payments of at least $743.3 million, their highest ever, finds the analysis…

Individual Market Enrollment Dipped Slightly in 2019 After Repeal of Individual Mandate Penalty

Aug 21, 2019

Feature

Overall enrollment in the individual market fell 5% to 13.7 million in the first quarter of 2019 following the repeal of the Affordable Care Act’s individual mandate penalty.

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