Home Affordable Care Act Topics

Affordable Care Act

The ACA MarketplaceS

Change in February effectuated enrollment, by state, 2025-2026

How Has ACA Marketplace Enrollment Changed Across States in 2026?

ACA Marketplace enrollment fell this year in every state except New Mexico, which was the only state to fully replace the enhanced premium tax credits that expired last year with a state-funded subsidy, according to a new KFF analysis of effectuated enrollment data. The Marketplace enrollment decline—the first in seven years—follows several years of rapid enrollment growth and coincides with the end of the enhanced federal subsidies.

How Much and Why ACA Marketplace Premiums Are Going Up in 2027

ACA Marketplaces insurers are proposing a median premium increase of 15% in 2027, according to KFF’s updated analysis of 276 insurers with publicly available filings across all 50 states and the District of Columbia. This is the second consecutive year of double-digit premium hikes. Last year’s median nationwide proposed rate change was 18%, and the median finalized rate change was 20%. While this proposed rate change is lower than last year, it represents the second-highest requested rate change since 2018, as premium growth had been relatively flat in this market for several years.

About the ACA

Promotional image for KFF video How Affordable is the Affordable Care Act

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?

Latest News

More KFF Health News

Stay informed.

Get KFF's latest on the Affordable Care Act

Stay informed.

Get KFF's
latest on the Affordable
Care Act

View the Latest: Affordable Care Act

Filter

List Grid

241 - 250 of 2,788 Results

  • Recibí un formulario 1095-A del mercado de seguros. ¿Qué es?

    FAQs

    El formulario 1095-A brinda información sobre el monto del crédito tributario anticipado para las primas (APTC) que recibió el año anterior. Una copia del formulario también fue reportada al IRS. Guarde una copia en sus récords. El APTC se basó en el ingreso anual que usted estimó que ganaría cuando se inscribió en la cobertura del mercado. Ahora debe presentar una declaración de impuestos federal para calcular su ingreso real para ese año de cobertura.…

  • Estoy casado, pero mi cónyuge y yo vivimos separados y no presentamos una declaración de impuestos conjunta. En su lugar, utilizo el estado civil de “casado que declara por separado”. Tengo...

    FAQs

    Generalmente, no. Las personas casadas deben presentar una declaración conjunta para calificar para los subsidios para las primas. Las personas que utilizan el estado civil de "casado que declara por separado" no son elegibles para recibir créditos fiscales para las primas. Sin embargo, existe una excepción especial para las personas que deben presentar una declaración por separado debido a violencia doméstica o abandono conyugal. Para otras personas casadas que no presentan una declaración conjunta, puede…

  • Do I have to enroll in coverage using HealthCare.gov, or can I apply for Marketplace plans and subsidies on websites run by private companies that sell Marketplace plans?

    FAQs

    HealthCare.gov permits the sale of Marketplace plans through websites run by private companies. These are sometimes described as “direct enrollment” sites or “certified enrollment partner” sites. These websites may be operated by a health insurance company, such as Blue Cross, Ambetter, or Molina. Other websites are operated by web brokers (such as GetInsured.com and Health Sherpa) who are health insurance agents and brokers. Enrolling for coverage through a private website does not disqualify you for…

  • Can immigrants who are not U.S. citizens buy health insurance through the health insurance Marketplaces?

    FAQs

    Most lawfully present immigrants, including people with work (H1) and student visas, can buy health insurance through the health insurance Marketplaces. This group also currently includes lawfully present immigrants with incomes under 100% of the federal poverty level who cannot enroll in Medicaid based on immigration status, for example, because they are in the five-year waiting period for Medicaid or CHIP coverage. Deferred Action for Childhood Arrivals (DACA) is no longer considered an eligible immigration…

  • Can I be covered under my parent’s health plan if I’m married?

    FAQs

    Yes. You can stay on your parents’ plan until you turn 26 if they have coverage through work, or until the end of the year you turn 26 if they have Marketplace coverage. Being married does not affect your eligibility to be covered under your parents' plan.

  • Mi marido quiere hacerse una vasectomía, pero cuando averigué con nuestro plan, me dijeron que cubre mi esterilización pero que deberíamos pagar parte de los costos de la vasectomía. ¿Cuál es la razón?

    FAQs

    Los anticonceptivos, incluida la esterilización, están cubiertos solo para mujeres como servicios preventivos por los planes que cumplen con ACA. Dado que la esterilización para hombres no se considera un servicio preventivo según la Ley de Cuidado de Salud a Bajo Precio (ACA), la ley federal no requiere que los planes cubran las vasectomías. Sin embargo, nueve estados (California, Illinois, Maryland, Nueva Jersey, Nueva York, Nuevo Mexico, Oregon, Vermont y Washington) requieren planes de salud…

  • Perdí mi empleo y mi seguro de salud. ¿Puedo comprar un plan en el mercado ahora, o debo esperar a la próxima inscripción abierta?

    FAQs

    Puede aplicar ahora. CuidadoDeSalud.gov y todos los mercados estatales permiten una oportunidad de inscripción especial cuando las personas pierden otra cobertura. Esto incluye la pérdida de la cobertura basada en el trabajo y la pérdida de Medicaid. En general, tiene 60 días después de la pérdida de otra cobertura para solicitar una oportunidad de inscripción especial a través del mercado. En CuidadoDeSalud.gov y en algunos otros estados, si recibe un aviso por adelantado de la…

  • I heard that plans have to cover preventive services without cost sharing. Does this include every preventive service and are there any limitations or exceptions?

    FAQs

    Most health plans, including Marketplace plans, are required to cover a wide range of preventive services and may not impose cost-sharing (such as deductibles, copayments, or co-insurance). The ACA requires private plans to cover services under four broad categories: Evidence-based screenings and counseling Routine immunizations Childhood preventive services Preventive services for women So long as the preventive service is performed by an in-network provider, is not billed separately from the office visit, and is the main…

  • Can I buy health insurance outside of the Marketplace that meets all ACA consumer protection standards?

    FAQs

    Yes. Many insurers that offer plans through the ACA Marketplace also offer identical plans outside of the Marketplace that meet all ACA standards, although premium tax credits and cost-sharing subsidies are not available for plans sold outside of the Marketplace. Some people prefer to buy health insurance outside of the Marketplace when they are sure they won’t qualify for financial assistance. Like health insurance plans sold on the Marketplace, “ACA-compliant” plans sold outside of the…

  • ¿Qué es el formulario 8962?

    FAQs

    Si recibió un subsidio anticipado para pagar las primas (APTC) a través del mercado el año pasado, debe presentar un formulario 8962 con su declaración de impuestos federal para conciliar sus ingresos estimados y reales del año, incluso si calculó sus ingresos con precisión. Puede obtener un formulario 8962 en blanco en el sitio web del IRS o, si utiliza un software de preparación de impuestos, el formulario se generará automáticamente. Las instrucciones del formulario…