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  • What did Sen. JD Vance mean by ‘Reinsurance?’

    Quick Insights

    Vance’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.

  • Protecting People with Pre-Existing Conditions

    Quick Insights

    It 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.

  • Back to the Future? A look back at High-Risk Pools

    Quick Insights

    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?

  • ACA Marketplace Enrollees Will See Steep Increases in Premium Payments in 2026 if Enhanced Subsidies Expire

    News Release

    Without the enhanced subsidies in the Inflation Reduction Act (IRA), Affordable Care Act (ACA) Marketplace enrollees in 12 of the states that use HealthCare.gov would see their annual premium payments at least double on average, according to a new KFF analysis. Enrollees in three states would see the steepest annual increases: Wyoming (195% or $1,872), Alaska (125% or $1,836), and West Virginia (133% or $1,404), and premiums would rise by an average of 93% or…

  • Signing Up for Marketplace Coverage Remains a Challenge for Many Consumers

    Policy Watch

    As open enrollment begins for Marketplace plans, this Policy Watch provides information about consumer experiences with Marketplace sign up from the 2023 KFF Consumer Survey. Data from the survey show that Marketplace sign up has been a challenge to many consumers---often more complicated than enrollment in other kinds of health insurance. The Policy Watch also spotlights efforts to address common enrollment problems such as option overload and transitioning to Marketplace coverage from other forms of…