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Affordable Care Act

The ACA Marketplace

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.

How Will Loss of Enhanced Tax Credits Affect Older Adults?

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.

Cost Concerns and Coverage Changes: A Follow-Up Survey of ACA Marketplace Enrollees

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.”

Health Insurance Marketplace Calculator

ACA Premium Payments Could More than Double on Average

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351 - 360 of 2,771 Results

I am turning 65 years old next month, but I am not entitled to Medicare without having to pay a premium for Part A because I have not worked long enough to qualify. Can I sign up for a Marketplace plan?

Sep 29, 2025

FAQs

Yes, in general, people age 65 or older who are not entitled to premium-free Medicare can purchase health insurance coverage in the Marketplace (except undocumented immigrants and Deferred Action for Childhood Arrivals (DACA) recipients).
I am 54 and living with a permanent disability, and for the past 12 months I have been receiving Social Security disability insurance (SSDI) payments. But I do not have health insurance. I am required t...

Sep 29, 2025

FAQs

Yes, you are eligible to purchase coverage through the Marketplace, and if your expected income is at least 100% of the federal poverty level in 2026 ($15,650 for an individual) you may qualify for premium tax credits to help make Marketplace coverage more affordable.
I am covered by Medicare and my annual income is $30,000. Can I qualify for a premium tax credit to help me pay for my health insurance coverage through Medicare?

Sep 29, 2025

FAQs

No. People on Medicare are not eligible for the premium tax credits, no matter what their income level.
My spouse is an early retiree with affordable retiree health benefits from his former employer, but I’m not eligible to be on his plan. Can I apply for coverage and subsidies in the Marketplace?

Sep 29, 2025

FAQs

Yes, assuming you meet the other requirements, you can apply for health plans and premium tax credits in the Marketplace. Your spouse’s eligibility for early retiree coverage will not affect your ability to seek coverage and financial help in the Marketplace.
I’m 63 and enrolled in a retiree health plan from my former employer. Can I get better coverage and subsidies in the Marketplace instead of staying on retiree coverage?

Sep 29, 2025

FAQs

Yes, as long as you do so during the Open Enrollment period. However, because you are enrolled in retiree coverage, you will not be eligible for premium tax credits or cost-sharing subsidies for Marketplace coverage. This is true even if the coverage you’re enrolled in is a health reimbursement arrangement (HRA).
I’m a retired Veteran collecting VA disability pension and benefits. Are those benefits counted in determining my eligibility for subsidies in the Marketplace?

Sep 29, 2025

FAQs

No. VA disability pension benefits generally are not subject to federal income tax and so are not counted as income in determining eligibility for premium tax credits.
I’m 62 and already collecting Social Security. Are my Social Security benefits counted in determining my eligibility for subsidies in the Marketplace?

Sep 29, 2025

FAQs

Yes, Social Security benefits are counted as income in determining eligibility for premium tax credits in the Marketplace.
I’m eligible for health benefits at work. However, I forgot to turn in my enrollment papers on time during the company’s open enrollment season, so now I’m not covered. Can I get a plan in the Mar...

Sep 29, 2025

FAQs

If you missed your opportunity to enroll in your employer plan during the company’s open enrollment, you can still apply for coverage in the Marketplace during Open Enrollment.
Does my eligibility for COBRA or other continuation coverage affect my eligibility for premium tax credits or cost-sharing reductions in the Marketplace?

Sep 29, 2025

FAQs

No, just being eligible for COBRA doesn’t affect your eligibility for premium tax credits or cost-sharing reductions if you enroll in a Marketplace plan.
My employer offers a plan with very limited benefits. It only covers preventive services and a few doctor visits each year. However, this plan option is free. My employer also offers a more comprehensiv...

Sep 29, 2025

FAQs

The limited benefit plan you described probably does not meet the standard for “minimum value.” If that were the only plan your employer offered, you could qualify for premium tax credits to help pay for a more comprehensive plan on the Marketplace coverage.