2025 KFF Marketplace Enrollees Survey
If the amount they pay in premiums doubles, about one in three enrollees in Affordable Care Act Marketplace health plans say they would be “very likely” to look for a lower-premium Marketplace plan.
Affordable Care Act
Enhanced Premium tax credits
There is No Drop-Dead Date for an ACA Tax Credit Extension, But Coverage Losses Will Mount as the Clock Ticks
A discharge petition in the House paves the way for a vote on a three-year extension of the tax credits, which would provide ACA enrollees premium relief whenever it comes. While there is still time to extend the enhanced tax credits, with each passing day, more and more ACA Marketplace enrollees are going to drop their health insurance when faced with eye-popping increases in their premium payments, writes KFF’s Larry Levitt.
ACA Marketplaces
Competition Has Increased in the Individual Market But Fallen in Fully Insured Group Markets
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.
Timely insights and analysis from KFF staff
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In Their Own Words: ACA Marketplace Enrollees Explain How Higher Premium Payments Will Affect Them
The expiration of enhanced ACA tax credits is reshaping coverage decisions for Marketplace enrollees, and in a recent KFF survey, Marketplace enrollees told us how rising premiums could affect insurance choices, affordability, and political attitudes. ... more
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As ACA Deadline Approaches, Some Price-Sensitive Consumers May Consider Switching to Short-Term Plans
As the ACA open enrollment deadline approaches amid the expiration of the enhanced premium tax credits, nearly six in 10 Marketplace enrollees say they would not be able to afford $300 more in annual health care costs, which may lead some to alternative coverage products, such as short-term plans, a type of private coverage that… ... more
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ACA Insurers Are Raising Premiums by an Estimated 26%, but Most Enrollees Could See Sharper Increases in What They Pay
The amount health insurers charge for coverage on the ACA Marketplaces is rising 26%, on average, in 2026.... Most enrollees would face even sharper increases in what they pay if they ACA’s enhanced premium tax credits expire. ... more
Grace Sparks 
Michelle Long 
Cynthia Cox
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