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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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.
Private enrollment websites that are run by insurance companies typically only show plans offered by that insurer. Websites run by insurance brokers are required to show all plans offered by multiple insurers. If you have questions or concerns about information on these sites, contact the Marketplace call center, HealthCare.gov, or your state Marketplace.
En los estados que usan cuidadodesalud.gov, el período especial de inscripción actual debido a la pérdida de Medicaid o CHIP se extenderá de 60 a 90 días. Esto significa que los consumidores tendrán hasta 90 días después de la pérdida de esos beneficios para inscribirse en el mercado de seguros.
Employees who receive funds to buy health insurance on the individual market can sometimes still qualify for premium tax credits, depending on the type of health reimbursement arrangement (HRA) their employer offers and its affordability to you: Employers with fewer than 50 workers may offer what’s known as a Qualified Small Employer HRA.
No, vivir en la casa de sus padres no es un requisito para estar cubierto por su plan.
Un plan de salud estudiantil es un tipo especial de cobertura médica que las universidades ofrecen a sus estudiantes matriculados. Normalmente, un plan de salud estudiantil es diferente de la cobertura patrocinada por el empleador que las universidades ofrecen a su plantel de profesores y a su personal.
Sí, el período especial de inscripción por pérdida de Medicaid o CHIP es de 90 días en la mayoría de los estados. Esto significa que los consumidores tendrán hasta 90 días después de la pérdida de Medicaid o CHIP para inscribirse en el mercado de seguros.
Los planes catastróficos tienen los costos compartidos más altos y las primas más bajas. En 2026, los planes catastróficos tendrán un deducible anual de $10.600 para una persona o $21.200 para una familia. El plan no tiene que cubrir más de tres consultas de atención primaria antes de alcanzar el deducible.
En general, los planes no están obligados a cubrir la atención recibida de un proveedor fuera de la red (OON).
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.
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