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The ACA Marketplace Open Enrollment season began November 1, bringing higher premiums, fewer insurer options in some states as more insurers exit the market, less access to health insurance subsidies, and less help finding coverage following federal actions to address broker fraud—among other changes to watch.
These resources are for anyone shopping (or helping someone shop) for health coverage within the health insurance marketplaces created through the Affordable Care Act (also known as the ACA or Obamacare.)
The Health Insurance Marketplace Calculator, updated with 2027 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA).
Beginning January 1, 2027, the 2025 reconciliation law will limit immigrant eligibility for ACA Marketplace subsidies. This brief provides an overview of implementation of the immigrant eligibility changes for Marketplace subsidies and issues to consider for affected individuals and states.
This brief provides an overview of the financial assistance provided under the ACA for people purchasing coverage on their own through health insurance Marketplaces (also called exchanges).
This analysis examines the $500 checks that the Trump administration is sending to some Affordable Care Act Marketplace enrollees and the user fees that are paying for them. The checks are going to about 1 million enrollees in the 30 states that rely on the federal HealthCare.gov Marketplace who are not receiving any tax credits this year – a small share of the 19.2 million people who were enrolled nationally as of February.
In a new column, Dr. Drew Altman, KFF's Founding President and CEO, discusses how New Mexico made childcare universal and became the only state to fully replace lost enhanced ACA tax credits while its leaders avoided polarizing labels like “progressive or “socialist.”
Following several years of rapid enrollment growth in the Affordable Care Act (ACA) Marketplaces that corresponded with temporary enhanced premium tax credits, enrollment fell for the first time in seven years in 2026, when those tax credits expired. Every state except for New Mexico saw a drop in ACA Marketplace enrollment from 2025 to 2026. State-based Marketplaces that run their own enrollment platforms, including those that partially offset the expiring federal enhanced tax credits, generally…
ACA Marketplace insurers are proposing a median premium increase of 14% for 2027— indicating a likely second consecutive year of double-digit increases, according to a new analysis of preliminary rate filings in 16 states and DC. If these increases hold, typical premiums for insurers participating in the ACA Marketplaces would jump by more than one-third between 2025 and 2027.
The number and share of people without insurance grew in 2024, increasing for the first time since 2019, according to KFF's analysis of data from the American Community Survey (ACS). This issue brief describes trends in health coverage in 2024, examines the characteristics of the uninsured population , and summarizes the access and financial implications of not having coverage.
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