Affordable Care Act

The ACA Marketplace

2025 KFF Marketplace Enrollees Survey

In 2025, 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.

Cost Concerns and Coverage Changes: A Follow-Up Survey of ACA Marketplace Enrollees

Following the expiration of the enhanced premium tax credits for people with Affordable Care Act (ACA) Marketplace plans, a new KFF follow-up survey of the same Marketplace enrollees KFF surveyed in 2025 finds half (51%) of returning enrollees say their health care costs are “a lot higher” this year compared to last year, including four in 10 who specifically say their premiums are “a lot higher.”

New AND NOTEWORTHY

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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  • Recent Trends in Commercial Health Insurance Market Concentration

    Issue Brief

    Commercial health insurance markets remain highly concentrated across coverage types. However, the individual market, which consists mostly of the ACA Marketplaces, has attracted more insurers and witnessed greater insurer competition across a variety of measures since the implementation of the enhanced premium tax credits in 2021, according to a new Healthy System Tracker analysis.

  • Enrollment Growth in the ACA Marketplaces

    Policy Watch

    This analysis of enrollment in Affordable Care Act (ACA) Marketplace health plans finds a record 24.3 million people enrolled in 2025, more than double the total in 2020, with most of the growth occurring in states won by President Trump in the 2024 election. In six states, enrollment more than tripled from 2020 to 2025: Texas, Mississippi, West Virginia, Louisiana, Georgia, and Tennessee.

  • Recibí un formulario 1095-C por correo. ¿Qué es?

    FAQs

    El formulario 1095-C indicará su nombre y el de su empleador, los meses en que tuvo derecho a cobertura y el costo de la prima mensual más baja que podría haber contratado bajo el plan de salud de su empleador. Si trabajó para una empresa grande que no ofrecía cobertura médica a sus empleados de tiempo completo, el formulario 1095-C también lo indicará. Conserve este formulario con sus registros fiscales. Es posible que lo necesite…

  • Is it Too Late for ACA Insurers to Change Their Premiums?

    Quick Take

    Affordable Care Act Marketplace insurers are raising premiums by an average of 18% next year, due in part to the expiring enhanced premium tax credits. Even if the credits are extended in shutdown negotiations, it is unlikely that insurers will have time to revise premiums, though the credits would still offer enrollees relief from them.

  • Do Marketplace plans cover gender-affirming care? What changes have there been to coverage requirements?

    FAQs

    Not necessarily. Coverage varies by state and by plan. Some, but not all, states prohibit health insurance plans from excluding coverage for gender-affirming care. Even in states where coverage is required, it is possible that not all gender affirming services will be covered. For example, a plan might cover hormone therapy but not laser hair removal. In states where coverage for gender-affirming care is not required, some plans may exclude this coverage altogether. Beginning in…

  • How can I protect my personal information while enrolling in Marketplace coverage through a non-Marketplace website?

    FAQs

    Here are some tips on protecting your personal information if you choose to enroll in Marketplace coverage through a non-Marketplace website: Beware of sales techniques that pressure you to make quick decisions. Use this HealthCare.gov tool to find certified enrollment partner websites approved by the Marketplace. Be cautious in engaging with advertisements that offer cash, gifts, or other perks. The information you provide through these advertisements could be used for other purposes without your consent.…