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Affordable Care Act

About the ACA

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Did the Affordable Care Act Make Health Care More Affordable?

The expiration of the ACA’s enhanced premium tax credits at the start of 2026, combined with rising insurer premiums, put a spotlight on health care affordability that extends beyond Marketplace enrollees. KFF’s Cynthia Cox examines the ACA’s record and the broader underlying question it raises: what’s a fair price for Americans people to pay for health care?

The ACA MarketplaceS

In Preliminary Rate Filings, ACA Marketplace Insurers Largely Propose Double-Digit Premium Increase For 2027, Following a Steep Climb This Year 

ACA Marketplace insurers are proposing a median premium increase of 14% for 2027— indicating a likely second consecutive year of double-digit increases, according to a new analysis of preliminary rate filings in 16 states and DC. If these increases hold, typical premiums for insurers participating in the ACA Marketplaces would jump by more than one-third between 2025 and 2027.

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

The 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.

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  • The Public’s Policy Agenda for the 113th Congress: Briefing and Panel Discussion

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    As the 113th Congress is sworn in, and President Barack Obama begins his second term of office, a comprehensive new Kaiser Family Foundation/Robert Wood Johnson Foundation/Harvard School of Public Health survey queried the public about their priorities for, and views on, a wide range of health and health policy issues. These include issues that will preoccupy federal lawmakers, such as the role of Medicare in the deficit reduction debate, as well as issues currently being…

  • Health Care on the Brink of the Fiscal Cliff

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    The Alliance for Health Reform and the Kaiser Family Foundation present a November 16 briefing to discuss the components of this key policy crossroads with a particular emphasis on the implications for health programs and the health care industry. Automatic cuts would not apply to Medicaid, but Medicare providers would experience 2 percent payment cuts. The reductions would likely be larger for discretionary health programs, such as those funded as part of the National Institutes…

  • Behavioral Health: Can Primary Care Help Meet the Growing Need?

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    The health reform law has specific provisions covering mental health and substance use conditions, as well as general provisions to benefit those in need of behavioral health services. While addressing unmet needs, the reform law provisions raise new challenges. Given their budgetary constraints, will states be able to expand capacity to meet the demands of increased enrollment? Will sacrifices in other benefits and services be needed in order to provide mental health parity? Will the…

  • Rural Health: Laying the Foundation for Health Reform

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    The Alliance for Health Reform and the Robert Wood Johnson Foundation co-sponsored this briefing to have a panel of experts answer questions about how some aspects of pending health reform proposals may have a substantial impact on rural care. What provisions in the various reform proposals affect rural health care? What particular challenges need to be overcome in order to improve care delivery in rural areas? What aspects of health reform will require special accommodation…

  • Making Health Care Work for American Families: Medicaid and Access to Care

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    Diane Rowland, executive vice president of the Kaiser Family Foundation and executive director of the Foundation's Commission on Medicaid and the Uninsured, testified March 24, 2009, before the House Energy and Commerce Subcommittee on Health as part of a hearing entitled “Making Health Care Work for American Families: Access to Care." Rowland, appearing as part of a panel, addressed why Medicaid can be a platform for health care reform and can be instrumental in efforts…

  • Addressing Disparities in Health and Health Care — Issues for Reform

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    Marsha Lillie-Blanton, Dr.P.H., Kaiser senior advisor on race, ethnicity and health care, testified before the House Ways and Means Health Subcommittee about the role of health insurance in reducing disparities in health care and in health status. The testimony is part of an ongoing health reform hearing series. Testimony (.pdf) Slides (.ppt)

  • Today’s Topics In Health Disparities: What Might Health Reform Mean for Women of Color?

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    This December 16, 2009, Today's Topics In Health Disparities webcast examined aspects of the current Senate and House health reform bills that particularly impact women of color. Women tend to be greater users of the health care system than men, have higher rates of some chronic illnesses, and have unique reproductive health care needs. Women also tend to take the lead when it comes to obtaining health care for their family members. Provisions such as…

  • The Part D Experience: What are the Lessons for Broader Medicare Reform?

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    Launched in 2006, Medicare added a prescription drug benefit that relies entirely on private plans, while, for other benefits, beneficiaries have a choice between private health plans and traditional fee-for-service Medicare. As policymakers consider changes to Medicare that would give an even greater role to private health plans in caring for Medicare’s nearly 50 million seniors and people with disabilities, the Kaiser Family Foundation hosted a policy workshop to examine how the Part D experience…