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.
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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.
Adults ages 50 to 64 are disproportionately affected by the expiration of ACA enhanced premium tax credits because they make up a large number of Marketplace enrollees and premiums rise with age.
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.”
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Solo puede aplicar el subsidio para las primas a los planes Bronce, Plata, Oro, o Platino comprados a través del mercado de seguros. Estos créditos fiscales no se pueden aplicar a planes Catastróficos ni a planes dentales independientes en el mercado, ni a ningún plan fuera del mercado.
Eso depende de usted. Puede hacer que su crédito fiscal anual para las primas se pague directamente a su plan de salud cada mes para reducir su prima mensual de inmediato.
Los subsidios para las primas están disponibles para quienes contratan una cobertura del mercado de seguros y cuyos ingresos son al menos iguales al nivel federal de pobreza. Para una persona, esto significa un ingreso de al menos $15.650 en 2026. Para una familia de cuatro, esto significa un ingreso de al menos $32.
Premium tax credits are available to U.S. citizens and certain lawfully present immigrants who purchase coverage in the Marketplace and who have income at least as high as 100% of the federal poverty level (FPL) ($15,650 for a single adult or $32,150 for a family of four in 2026).
No, usted no está obligado a tener un seguro de salud. Los inmigrantes indocumentados no son elegibles para comprar cobertura en el mercado.
Sí, en algunos casos. Al solicitar cobertura del mercado y calificar para un período especial de inscripción, el mercado podría solicitar documentos adicionales para confirmar que califica para la cobertura en su aviso de elegibilidad del mercado. Si solicita cobertura del mercado luego de perder otra cobertura, cuidadodesalud.
No. Insurers offering coverage in the Marketplace are required to provide a variety of payment methods and cannot require a consumer to pay by automatic bank withdrawals (sometimes called electronic funds transfers, or EFT) or debit card.
Yes, you can leave your employer-sponsored plan and get Marketplace coverage, but your eligibility for premium tax credits depends on how much you must pay for premiums for your employer plan. If your premium contribution with the wellness penalty would be more than 9.
Yes, leaving your job and losing eligibility for job-based health coverage will trigger a special enrollment opportunity for Marketplace coverage that lasts for 60 days. During that period, you can apply for a Marketplace health plan and depending on your income, you may qualify for premium tax credits and cost-sharing reductions.
Federal laws require many employer-sponsored plans and all ACA-compliant individual insurance plans, including those available through the Marketplaces, to cover maternity services, including pregnancy, childbirth, and newborn care. Cost sharing may apply to some maternity services.
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