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The ACA Marketplace

2025 KFF Marketplace Enrollees Survey

About one in three ACA enrollees said they would be “very likely” to look for a lower-premium Marketplace plan If their premium payments doubled, according to a KFF survey conducted in 2025.

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Tracking the Public’s Views on the ACA

While overall opinion of the Affordable Care Act has been more favorable than unfavorable since 2017, there remain deep partisan divides. See how public opinion on the ACA has changed from the inception of the law to the present. This interactive tool highlights key moments when views shifted and trends based on party identification, income, age, gender, and race/ethnicity.

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  • My 24-year-old daughter is eligible for premium tax credits and a cost-sharing reduction. We are not eligible for any financial assistance, but we would all like to enroll in the same Marketplace plan....

    FAQs

    You do not need to claim your daughter as a tax dependent to be covered on your Marketplace health plan; however, since you do not claim her as a tax dependent, she will likely have to submit a separate application, and she likely will not be able to apply her premium tax credits to your shared plan. Additionally, because you do not qualify for cost-sharing subsidies, she will not be able to apply hers to…

  • My kids are eligible for the Children’s Health Insurance Program (CHIP). Can I enroll them in our Marketplace health plan and get premium tax credits for them instead?

    FAQs

    You can add your children to your Marketplace plan, but because they are eligible for your state’s Children’s Health Insurance Program (CHIP), they are not eligible for premium tax credits. The exception to that is if you live in a state that has a waiting period for enrolling in CHIP. During the waiting period, your children are eligible for a premium tax credit; when the waiting period has ended, they can enroll in CHIP and…

  • What happens if I’m late with a monthly health insurance premium payment?

    FAQs

    It depends on whether you are receiving advanced premium tax credits. If you receive a premium tax credit, your insurer must provide a 90-day grace period to pay all past-due premiums. If the amount owed for all outstanding premium payments is not paid in full by the end of the grace period, the insurer can terminate coverage. However, the grace period only applies if you have paid at least one month’s premium within the current…

  • My child goes to college in another state, but we want him on our Marketplace family plan. Can we do that?

    FAQs

    Yes. Your child can join your Marketplace family plan, even if they live out of state. However, your child may need to return home to access care within your plan’s provider network. If they get health care services in another state, the provider may be outside your plan’s network, and you may have to pay higher cost sharing for non-emergency services. Your child may be eligible to buy coverage in the state where they attend…

  • Where can I get help with my Marketplace application?

    FAQs

    All Marketplaces are required to offer "Navigator" programs to help consumers review their plan choices, complete their application, or apply for financial assistance. Navigators can also assist consumers applying for Medicaid or CHIP. Additionally, Navigators can help consumers with post-enrollment support, such as appealing Marketplace decisions. Navigators are paid by the Marketplace, not by health plans, and they must complete Marketplace training and be free from conflicts of interest. You may also be able to…

  • Recibí un formulario 1095-A del mercado de seguros. ¿Qué es?

    FAQs

    El formulario 1095-A brinda información sobre el monto del crédito tributario anticipado para las primas (APTC) que recibió el año anterior. Una copia del formulario también fue reportada al IRS. Guarde una copia en sus récords. El APTC se basó en el ingreso anual que usted estimó que ganaría cuando se inscribió en la cobertura del mercado. Ahora debe presentar una declaración de impuestos federal para calcular su ingreso real para ese año de cobertura.…

  • He estado tratando de quedar embarazada. ¿Los planes del mercado cubrirán los servicios de infertilidad?

    FAQs

    La Ley de Cuidado de Salud a Bajo Precio (ACA) no exige que los planes de salud cubran los servicios de infertilidad; sin embargo, algunos estados exigen que ciertos planes cubran ciertos servicios. Si necesita estos servicios y está buscando cobertura, consulte los detalles del plan o consulte con el departamento de seguros de su estado sobre la cobertura y los costos de bolsillo para la atención de la infertilidad.

  • Estoy cubierta bajo el plan de mis padres y estoy embarazada. ¿El plan de mis padres cubrirá mi atención prenatal y parto?

    FAQs

    Las leyes federales exigen que muchos planes patrocinados por empleadores y todos los planes de seguro individuales que cumplen con la Ley de Cuidado de Salud a Bajo Precio (ACA), incluyendo los disponibles a través de los mercados de seguros, cubran los servicios de maternidad, incluyendo el embarazo, el parto y la atención al recién nacido. Es posible que se apliquen costos compartidos a algunos servicios de maternidad. La mayoría de los planes privados también…

  • ¿Pueden cobrarme más por mi edad?

    FAQs

    Sí, en la mayoría de los estados se puede, dentro de los límites. Las reglas federales les permiten a las aseguradoras cobrar a los adultos mayores (por ejemplo, en sus 60) hasta tres veces la prima que cobrarían a los adultos más jóvenes (por ejemplo, en sus primeros años de la década del veinte). Este límite en la clasificación de edad se aplica a todas las pólizas de seguro de salud que no sean de…