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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Lawfully present immigrants generally include: lawful permanent residents (or “green card holders”); persons fleeing persecution, including refugees and asylees; other humanitarian immigrants, including those granted temporary protected status; Cuban/Haitian entrants; survivors of domestic violence, trafficking, and other serious crimes; and persons with valid non-immigrant visas, such as work or student visas.
Only those individuals in a family who are applying for health insurance are required to provide citizenship and immigration status. Applicants also must provide a Social Security Number if they have one.
Most lawfully present immigrants with a “qualified” immigration status who meet Medicaid and CHIP program requirements, such as income and state residency, can enroll in Medicaid or CHIP after they have been in the United States with qualified status for 5 years or more. A list of “qualified statuses” can be found here.
Assuming you are eligible for premium tax credits, the amount of your credit will be calculated based on how you file your taxes. If, for example, you claim your partner and your children as tax dependents, you will be considered a household of four when you apply for subsidies.
Most health plans must allow enrollees to see their OBGYN without a referral from their primary care doctor. Check with your plan or state insurance department.
Yes, you can stay on your parents’ plan up to age 26 if they have coverage through work, or until the end of the year you turn 26 if they have Marketplace coverage. Eligibility for health benefits through your own job does not make you ineligible to be covered as a dependent on your parents’ plan.
Eligibility for premium tax credits is based on your Modified Adjusted Gross Income, or MAGI. Click here for a list of the types of income that qualifies as MAGI.
You can add your children to your Marketplace plan, but because they are eligible for your state’s Children’s Health Insurance Program (CHIP), they are not eligible for premium tax credits. The exception to that is if you live in a state that has a waiting period for enrolling in CHIP.
If this is your first time applying for premium tax credits, then yes. There is no requirement to have filed a tax return for any prior year to qualify for premium tax credits.
Sí, en general, las personas de 65 años o más que no tienen derecho a Medicare sin prima pueden comprar cobertura de seguro de salud en el mercado (excepto los inmigrantes indocumentados y los beneficiarios de Acción Diferida para los Llegados en la Infancia, DACA).
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