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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’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.
My employer offers health benefits to me. My spouse works and has coverage through her job. To figure out whether my coverage is affordable, do I just count my income, or do I count my spouse’s sa...

Sep 29, 2025

FAQs

You should count your spouse’s income as well to determine whether your own employer-based plan is affordable to you. The test of whether your employer plan is affordable is whether the amount you must contribute to premiums is equal to or less than 9.96% of your household income for 2026.
I’m working on an H-2A visa. Am I eligible for coverage in the Marketplace?

Sep 29, 2025

FAQs

Yes. Lawfully-present immigrants who are otherwise eligible for coverage – including “nonimmigrants” like H-2A workers and those on student visas – may purchase insurance in the Marketplace. Those who are low-income and otherwise eligible may also receive premium assistance and cost-sharing reductions to lower the cost of coverage in Marketplace plans.
Will getting health insurance through Medicaid, CHIP, or the health insurance Marketplaces affect an individual’s ability to obtain lawful permanent resident status or citizenship?

Sep 29, 2025

FAQs

Some people who apply for a green card (lawful permanent residence) or a visa to enter the
Can immigrants get help paying premiums and/or cost-sharing for health insurance in the Marketplaces?

Sep 29, 2025

FAQs

Most lawfully present immigrants can usually get tax credits to help pay premiums and cost-sharing for health insurance through the Marketplaces. Like citizens, they can get premium tax credits that vary on a sliding scale, based on income.
Can immigrants who are not U.S. citizens buy health insurance through the health insurance Marketplaces?

Sep 29, 2025

FAQs

Most lawfully present immigrants, including people with work (H1) and student visas, can buy health insurance through the health insurance Marketplaces.