Affordable Care Act

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ACA Marketplace Plans Nationally Are Seeking a Median 18% Premium Increase for 2026

This analysis of insurers’ initial rate filings for Affordable Care Act Marketplace plans in all 50 states and DC finds the median proposed increase for 2026 is 18%, more than double last year’s proposed increase. The analysis also shows proposed rate changes by state and insurer.

Estimates of Additional Uninsured People Across the States

KFF Health Tracking Poll: ACA Enhanced Subsidies

From Drew Altman: Making the Marketplaces Great Again?

ACA Provisions in the 2025 Federal Budget Reconciliation Law

ACA Marketplaces

From Drew Altman: The Spotlight Is on Medicaid Cuts, But the ACA Marketplaces Could See a One-Third Cut in Enrollment

President and CEO Drew Altman shows how proposals contained in the House reconciliation bill could result in a one-third reduction in ACA Marketplace enrollment. “While all eyes are on the big Medicaid cuts being proposed in the House,” he writes, “significant changes are also being proposed that together would dramatically reduce enrollment in the ACA Marketplaces.”

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Trump Voters Wanted Relief From Medical Bills. For Millions, the Bills Are About To Get Bigger.
KFF Health News' 'What the Health?': Here Come the ACA Premium Hikes

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2021 Calculator – Before COVID-19 Relief

Mar 10, 2021
Interactive

The Health Insurance Marketplace Calculator, updated with 2021 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance.
Updated KFF Calculator Estimates Marketplace Premiums to Reflect Expanded Tax Credits in COVID-19 Relief Legislation

Mar 10, 2021
News Release

KFF has updated its 2021 Health Insurance Marketplace Calculator to reflect the expanded premium tax credits available to people who purchase their own coverage through their state’s health insurance exchange as passed by Congress in the American Rescue Plan Act and expected to be signed into law soon.
For ACA Enrollees, How Much Premiums Rise Next Year is Mostly up to Congress

May 18, 2022
Policy Watch

Most customers with coverage through Affordable Care Act's marketplaces will face big premium increases next year if Congress doesn’t extend the temporary enhanced tax credits included in the American Rescue Plan Act (ARPA) of 2021. If the outcome isn’t clear by summer, fall open enrollment could be a mess.
Private Insurers Expect to Pay $1 Billion in Rebates to Consumers This Year for Setting Premiums Too High Relative to Medical Costs

Jun 1, 2022
News Release

Private insurance companies are expecting to pay out $1 billion in rebates to consumers this fall under an Affordable Care Act provision that requires insurers to spend the bulk of customers’ premium payments on care, a new KFF analysis finds. Rebates are based on insurers’ experiences over the previous three years.
The Uncertain Future of Policies to Promote Access and Affordability Put in Place During the COVID-19 Pandemic

May 19, 2022
Perspective

In this column for the JAMA Health Forum, Larry Levitt highlights four changes implemented during the COVID-19 pandemic that helped to make health care more accessible and affordable and the prospects for those changes to telehealth, COVID-19 coverage, Medicaid and marketplace premiums continuing beyond the pandemic’s end.
Marketplace Insurers are Proposing a 6% Average Premium Hike for 2024 and Pointing to Inflation as a Key Driver of Costs

Aug 4, 2023
News Release

ACA Marketplace insurers are requesting a median premium increase of 6% for 2024, according to a new KFF analysis of the preliminary rate filings. Insurers’ proposed rate changes – most of which fall between 2% and 10% – may change during the review process.
What would ACA Subsidies Have Been in 2022 if COVID-19 Relief Had not passed?

Jul 18, 2022
Interactive

This calculator is for illustration purposes and shows the tax credits and premiums that marketplace customers would have paid in 2022 if not for the enhanced subsidies included in the 2021 COVID relief legislation, the American Rescue Plan Act, (ARPA). The enhanced subsidies expire at the end of the year.
ACA’s Maximum Out-of-Pocket Limit Is Growing Faster Than Wages

Jul 20, 2022
Issue Brief

This analysis finds that the ACA’s maximum out-of-pocket limit is likely to grow faster than wages and salaries, and is also expected to grow faster than the maximum out-of-pocket limit for Health Savings Account (HSA)-qualified health plans.
Understanding the Health Provisions in the Inflation Reduction Act

Aug 11, 2022
Other Post

President Biden signed the Inflation Reduction Act of 2022 into law on August, 16, 2022. KFF has several analyses relevant to understanding the health provisions in the legislation, as well as their potential impact on people.
Five Things to Know about the Renewal of Extra Affordable Care Act Subsidies in the Inflation Reduction Act

Aug 11, 2022
Policy Watch

As part of the Inflation Reduction Act, the Senate recently passed a three-year extension (through 2025) of enhanced subsidies for people buying their own health coverage on the Affordable Care Act Marketplaces. The enhanced subsidies increase the amount of financial help available to those already eligible and also newly expand subsidies to middle-income people, many of whom were previously priced out of coverage. Here’s what to know about the likely renewal of these subsidies:

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A Guide To Finding Insurance at 26‌

Why Young Americans Dread Turning 26: Health Insurance Chaos

Trump Voters Wanted Relief From Medical Bills. For Millions, the Bills Are About To Get Bigger.

KFF Health News' 'What the Health?': Here Come the ACA Premium Hikes

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