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Among People Ineligible for Subsidies, Middle-Class Older Adults Face the Least Affordable ACA Premiums, Especially Those Living in Rural Areas Where Premiums Are Highest
A new KFF analysis finds that Affordable Care Act marketplace premiums are least affordable for older adults who earn too much to qualify for federal subsidies, especially those living in rural areas where premiums are highest. The analysis of the lowest-cost 2019 ACA marketplace plans across U.S. counties finds that…
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How Affordable are 2019 ACA Premiums for Middle-Income People?
This analysis finds that Affordable Care Act marketplace premiums are least affordable for older adults who earn too much to qualify for federal subsidies, especially those living in rural areas where premiums are highest. The analysis also discusses a variety of state and federal proposals that seek to lower premiums for middle-class people buying their own insurance who are ineligible for ACA subsidies.
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Larry Levitt Answers 3 Questions on Calif. Governor’s Proposed Individual Mandate, Expanded Subsidies
California Gov. Gavin Newsom announced broad plans to the state’s health care system almost immediately after taking the oath of office. Larry Levitt, Senior Vice President for Health Reform at KFF, answers three questions about what the plan’s individual mandate and expanded subsidies could mean for the state and nationwide.
Issue Brief Read More4.2 Million Uninsured People Could Get a Bronze Plan in the ACA Marketplace with $0 Premiums After Tax Credits
We have data on the number and share of uninsured in each state who have access to free bronze plans.
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How Many of the Uninsured Can Purchase a Marketplace Plan for Free?
This analysis looks at how many of the remaining uninsured are eligible for premium subsidies that are large enough to cover the entire cost of a bronze plan, which is the minimum level of coverage available on the Marketplaces. It estimates 27% of uninsured individuals who could shop on the ACA Marketplace, or 4.2 million people nationwide, are eligible to purchase a bronze plan with $0 premiums after subsidies in 2019.
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Cost-Sharing for Plans Offered in the Federal Marketplace for 2019
This analysis documents average deductibles and out-of-pocket limits for 2019 Affordable Care Act marketplace plans available on Healthcare.gov on all metal tiers, including silver plans after cost-sharing reductions are applied.
Fact Sheet Read MoreAsk KFF: Karen Pollitz Answers 3 Questions on Trump Administration’s New ACA Waiver Guidelines
Karen Pollitz answers three questions on the Trump administration’s recent changes to the ACA Section 1332 state innovation waiver guidelines and the implications for consumers and state marketplaces in our new “Ask KFF” feature.
Issue Brief Read MoreExplaining Health Care Reform: Questions About Health Insurance Subsidies
This brief describes health insurance subsidies available through the Affordable Care Act’s marketplaces, including premium subsidies that would be provided in the form of tax credits, as well as other subsidies that would lower cost sharing to eligible Americans. It provides details on who is eligible for the assistance, the maximum repayment limits for the credits, and out-of-pocket spending limits.
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Health Insurance Marketplace Calculator
The Health Insurance Marketplace Calculator, updated with 2019 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). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance.
Interactive Read MoreACA Open Enrollment: If You Are Low-Income…
This fact sheet explains health coverage options that may be available to people who have low-incomes in 2018, including Medicaid coverage or individual insurance plans through Affordable Care Act (ACA) marketplaces.
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