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?

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  • Obamacare y Usted: Si compra seguro médico en el mercado individual

    Fact Sheet

    Si usted compra su plan de salud por su cuenta (en vez de tener cobertura a través de su empleador), usted tendrá nuevas opciones para tener su cobertura, pero la Ley del Cuidado de Salud a Bajo Precio requiere que usted esté asegurado o será multado. Qué está cubierto Bajo Obamacare, los planes de salud deben cubrir visitas al doctor, hospitalizaciones, recetas de drogas y cuidado materno sin restricciones por condiciones preexistentes, o condiciones físicas…

  • Obamacare y Usted: Si tiene seguro médico a través de un empleador

    Fact Sheet

    Si usted tiene cobertura de beneficios de salud a través de su empleador o del empleador de un miembro de su familia, usted probablemente pueda mantener esa cobertura y no tener que hacer ningún cambio. En la mayoría de los casos, la cobertura de su empleador satisface los requerimientos de la ley sobre la obtención de seguro. Cambios en la cobertura del empleador Algunas características de la cobertura de su empleador pueden ya haber cambiado…

  • State Marketplace Profiles: Oregon

    Other Post

    Final update made on October 10, 2013 (no further updates will be made)  Establishing the Marketplace On June 17, 2011, Governor John Kitzhaber (D) signed SB 99 into law establishing the Oregon Health Insurance Exchange Corporation.1   That same month, the Governor signed SB 91, which specified requirements of health insurance carriers offering coverage in the state.2  On March 6, 2012, the legislature passed HB 4164 to approve the final version of the Marketplace’s business plan.3 …

  • States’ Participation in Six Key Medicaid Long-Term Services and Supports Options Provided or Enhanced by the Affordable Care Act

    Feature

    States’ Participation in Six Key Medicaid Long-Term Services and Supports Options Provided or Enhanced by the Affordable Care Act Download Source M. O’Malley Watts, M. Musumeci, and E. Reaves, How is the Affordable Care Act Leading to Changes in Medicaid Long-Term Services and Supports (LTSS) Today? State Adoption of Six LTSS Options, The Henry J. Kaiser Family Foundation, April 2013, available at: http://www.kff.org/medicaid/issue-brief/how-is-the-affordable-care-act-leading-to-changes-in-medicaid-long-term-services-and-supports-ltss-today-state-adoption-of-six-ltss-options/;  updates available at: http://www.kff.org/state-category/health-reform/.

  • 2023 Calculadora del Mercado de Seguros Médicos

    Interactive

    2023 Esta calculadora ilustra las primas (el costo mensual de su seguro) y subsidios para las personas que compran seguro médico por su propia cuenta en el nuevo mercado de seguros de salud (o de intercambio) creado por la Ley de Cuidado de Salud a Bajo Precio (Affordable Care Act, ACA, en inglés). Con esta calculadora, usted puede introducir diferentes niveles de ingresos, edades, y el tamaño de su familia para obtener un estimado de…

  • Obamacare y Usted: Si usted es una mujer

    Fact Sheet

    Como mujer, es especialmente importante para usted entender cómo la Ley de Cuidado de Salud a Bajo Precio (Affordable Care Act o ACA, en inglés) cambiará el cuidado de salud en el 2014. Su atención médica necesita diferenciarse de la de los hombres y a menudo usted es la que toma las decisiones sobre el cuidado de salud de su familia. Obamacare amplía la variedad de muchos servicios que son importantes para las mujeres, y…

  • Webinar for Journalists: Researching Consumer Stories, Finding New Ideas & Securing Real-World Examples

    Event Date:
    Event

    Featuring Kaiser Health News Staff Writer Sarah Varney and “Insuring Your Health” columnist Michelle Andrews, this webinar will discuss approaches to covering this complex story by incorporating individual examples; provide tips and techniques for digging into the details of the law (with expert help) to describe how its provisions play out in real life; and suggest new angles and under-reported story ideas. Additionally, they will identify upcoming policy deadlines and timelines, and explore how to…