Back to the Future? A look back at High-Risk Pools
Sen. Vance suggested moving higher-risk individuals to different insurance risk pools than healthier ones... What could such a policy mean for health coverage and costs?
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Protecting People with Pre-Existing Conditions
Quick InsightsIt is worth a refresher on how the ACA protects people with pre-existing conditions. It’s also worth asking whether and how an alternative would do the same.
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What did Sen. JD Vance mean by ‘Reinsurance?’
Quick InsightsVance’s debate comment likely refers to state reinsurance waivers, largely approved by the Trump Administration. These waivers aimed to lower unsubsidized premiums by offsetting insurer costs for very sick enrollees.
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Key Facts about the Uninsured Population
Issue BriefThe 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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Health Insurance Explained: The YouToons Have it Covered
VideoIn this five-minute animated video, the YouToons help consumers understand their health insurance through fun, easy-to-understand explanations and scenarios. This cartoon serves as a tutorial for consumers and organizations. The YouToons previously appeared in the 2010 animated movie, "Health Reform Hits Main Street" and the 2013, "The YouToons Get Ready for Obamacare: Health Insurance Changes Coming Your Way Under the Affordable Care Act."
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Many Workers, Particularly at Small Firms, Face High Premiums to Enroll in Family Coverage, Leaving Many in the ‘Family Glitch’
Issue BriefData from the KFF Employer Health Benefits Survey demonstrates that some workers face very high contribution amounts for family coverage, including 12% who would have pay at least $10,000 annually in premiums for a family of four. These are the workers most likely to benefit from a fix to the 'family glitch'.
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The Impact of H.R. 1 on Two Medicaid Eligibility Rules
Issue BriefThis issue brief describes the impact of H.R.1's 10-year delay in implementing provisions in two Medicaid eligibility rules that would have reduced red tape. The delayed rules are projected to decrease federal spending and future Medicaid and CHIP enrollment and increase coverage loss.
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ACA Open Enrollment: If You Buy Health Coverage in the Individual Market
Fact SheetThis 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.
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Cost Concerns and Coverage Changes: A Follow-Up Survey of ACA Marketplace Enrollees
Poll FindingThis KFF survey is a follow-up survey of adults who had ACA Marketplace insurance in 2025. The survey examines the cost concerns and coverage changes that these 2025 Marketplace enrollees are experiencing following the expiration of the enhanced premium tax credits. The survey finds that half of returning enrollees say their health care costs are “a lot higher” and most expect to cut back on basic household expenses to afford coverage.
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The Average Marketplace Deductible Grew by About $1,000 Per Person in 2026, With More Enrollees Shifting to Higher-Deductible Plans as Enhanced Tax Credits Expired
News ReleaseThe average Affordable Care Act (ACA) Marketplace deductible experienced the steepest increase in history—growing by 37% or over $1,000, from $2,759 in 2025 to $3,786 in 2026 as enhanced premium tax credits expired, according to a new KFF analysis. After the enhanced tax credits ended, many Marketplace shoppers shifted toward lower-premium, higher-deductible plans.