2025 KFF Marketplace Enrollees Survey
In 2025, 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.
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In 2025, 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.
Adults ages 50 to 64 are disproportionately affected by the expiration of ACA enhanced premium tax credits because they make up a large number of Marketplace enrollees and premiums rise with age.
Following the expiration of the enhanced premium tax credits for people with Affordable Care Act (ACA) Marketplace plans, a new KFF follow-up survey of the same Marketplace enrollees KFF surveyed in 2025 finds half (51%) of returning enrollees say their health care costs are “a lot higher” this year compared to last year, including four in 10 who specifically say their premiums are “a lot higher.”
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Yes, you can apply for coverage in the Marketplace, and you may qualify for premium tax credits if your employer plan doesn’t meet the Affordable Care Act’s standard for minimum value.
The term “minimum value” means that your job-based health insurance plan would cover at least 60% of an average group of people’s covered health costs. In addition, employer plans must provide substantial coverage for hospitalization and for physician care to meet the “minimum value” test.
Citizens and lawfully present family members can get health insurance coverage through Medicaid, CHIP, and Marketplaces even if other family members are not lawfully present. Family members who are not lawfully present, including undocumented immigrants, may apply for health insurance for citizens and lawfully present family members.
You should consult with your health care provider if you believe you are at higher risk.
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.
You can be covered on your parents' Marketplace plan until the end of the year you turn 26. However, if your parents don’t claim you as a tax dependent, and you and your parents live in a state that uses HealthCare.gov, then your eligibility for financial assistance will be based on your income alone.
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.
Yes, you can apply for premium tax credits this year. One challenge you may encounter is verifying your income. The Marketplace verifies an applicant's estimated income in real time during the application process, using IRS data from recent federal income tax returns, and sometimes other data sources.
You can only apply the premium tax credit to Bronze, Silver, Gold, or Platinum plans purchased through the Marketplace. Premium tax credits cannot be applied to Catastrophic plans or to stand-alone dental plans sold on the Marketplace or to any plans sold outside of the Marketplace.
Sí. Los créditos fiscales para las primas se pueden reclamar por adelantado (durante el año) cuando declare sus impuestos. Para reclamar el crédito, deberá presentar una declaración de impuestos federal y el formulario 8962.
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