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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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  • Do Marketplace plans or Medicaid cover abortions?

    FAQs

    It depends on where you live and what type of coverage you have. For Marketplace plans, there is no federal requirement for plans to cover abortion. About half of states prohibit Marketplace plans from covering abortion. However, other states require plans to cover abortion services and do not permit cost sharing. For Medicaid enrollees, federal law only allows the use of federal funds for abortion in cases of rape, incest, or life endangerment of the pregnant…

  • Does my health plan have to cover all birth control methods with a prescription? Do I have to pay a copay?

    FAQs

    Most employer plans and all Marketplace plans must cover at least one form of all FDA-approved, granted, or cleared birth control (“contraceptive”) services and supplies for women, without cost sharing. This includes sterilization services, insertion and removal of long-acting reversible birth control methods, and follow-up services. While some birth control methods are available over the counter without a prescription, plans typically require a prescription to trigger coverage. Though it is up to an insurer’s discretion,…

  • Who can buy a Catastrophic Plan?

    FAQs

    In general, Catastrophic plans may only be sold to young adults under the age of 30. However, there are certain financial hardship and affordability exemptions for people ages 30 and older, including if there is no qualified health plan offered on or off the Marketplace that would cost less than 8.05% of their income in 2026, or if they are not eligible for premium tax credits or cost-sharing reductions based on their projected annual income.…

  • My employer won’t fill out the form on Healthcare.gov that asks about the affordability of the insurance the company provides. I think it’s unaffordable, and that’s why I’m not enrolled in it. Can...

    FAQs

    If, for any reason, you cannot obtain this information from your employer, you should report to the Marketplace what you know, yourself, about your eligibility for employer-sponsored coverage, the cost of that coverage, and whether it meets minimum value standards. The Marketplace will determine your eligibility for subsidies based on the information you provided or based on any information the Marketplace was able to obtain on its own through other follow-up with your employer.

  • When can I apply for Marketplace premium tax credits when other coverage is available?

    FAQs

    In general, if you have or are offered other comprehensive, affordable coverage, you may not be eligible for premium tax credits on the Marketplace. However, there are several circumstances where you may be eligible. This chart lays out examples of different coverage types and whether or not they will disqualify you for premium tax credits.

  • Is there any reason the Marketplace wouldn’t automatically adjust and continue my premium tax credit at renewal time?

    FAQs

    Yes. If you live in a state that uses HealthCare.gov, when you first applied for coverage, you had the opportunity to authorize the Marketplace to check online income data about you, including from your tax returns, for another 1 to 5 years. If you did not authorize this, your financial assistance will NOT be automatically continued for next year and you will have to re-apply for financial assistance in order to keep receiving it. If…

  • Do Marketplace plans cover dental care?

    FAQs

    It depends on your age. Dental coverage for children ages 18 and under is an "essential health benefit," meaning it must be available to any children you have, either as part of a health plan or through a separate dental plan, though you are not required to buy it. Dental coverage for adults is not considered an essential health benefit, so Marketplace plans don’t have to offer it.

  • Who can buy coverage in the Marketplace?

    FAQs

    Most people can shop for coverage in the Marketplace. To be eligible you must live in the state where your Marketplace is, you must be a citizen of the U.S. or be lawfully present in the U.S., you must not currently be incarcerated, and you cannot currently be enrolled in Medicare. Deferred Action for Childhood Arrivals (DACA) is no longer considered an eligible immigration status for health coverage through the Marketplaces. Not everybody who is…