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 stay on your parents’ plan until you turn 26 if they have coverage through work, or until the end of the year you turn 26 if they have Marketplace coverage. Being married does not affect your eligibility to be covered under your parents' plan.
Yes, you are eligible to stay on your parents’ plan up to age 26 if they have coverage through a job, or until the end of the year you turn 26 if they have Marketplace coverage, regardless of where you live. However, your parents’ health plan probably has a network of participating health care providers, and it may be difficult for you to find in-network providers when you are living in another state. If you…
Yes, you can get back on your parents’ plan until you turn 26 if they have coverage through work, or before the end of the year you turn 26 if they have Marketplace coverage. You do not have to wait until the next Open Enrollment to enroll. Your parents' plan must offer you a special opportunity to re-enroll because you lost your other coverage. If your parents get their insurance through their employer, you have…
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 student health coverage does not make you ineligible to be covered as a dependent on your parents' plan.
It depends on the type of coverage your college or university provides. “Fully-insured” plans are required to provide, without cost sharing, access to all FDA-approved birth control (“contraceptive”) methods, sterilization procedures, and patient education and counseling prescribed by a health care provider. If your student health plan is “self-insured,” coverage of birth control services depends on which state you live in. Check with your college or university to find out what type of student health…
A number of options may be available to you: If your annual income is $21,597 or less in 2026 (138% federal poverty level for a single adult), you may qualify for Medicaid coverage. Not all states have elected to expand Medicaid eligibility to this income level. Check with a navigator or another type of assister using Find Local Help, or check with your state Marketplace to learn more about Medicaid eligibility in your state. If…
If, for any reason, you cannot obtain this information from your employer, you should report to the Marketplace what you know, yourself, about your eligibility for employer-sponsored coverage, the cost of that coverage, and whether it meets minimum value standards. The Marketplace will determine your eligibility for subsidies based on the information you provided or based on any information the Marketplace was able to obtain on its own through other follow-up with your employer.
Scholarship and fellowship payments for tuition and fees and course-related expenses required of all students are not counted as income in determining your eligibility for premium tax credits. Scholarship payments for room and board are included in determining your eligibility.
Federal tax rules set out what is included in your household income. Eligibility for and the amount of premium tax credits are largely based on your household income. Check with a tax advisor, but in general, for divorce or separation agreements after December 31, 2018, alimony payments are no longer deductible from the income of the paying ex-spouse, and alimony is not included as income for the recipient ex-spouse. For pre-2019 divorces, the paying ex-spouse…
You can only drop COBRA and sign up for a Marketplace plan and premium tax credits during Open Enrollment. You will have to drop your COBRA coverage effective the date your new Marketplace plan coverage begins. After Open Enrollment ends, if you voluntarily drop your COBRA coverage or stop paying premiums, you generally will not be eligible for a special enrollment period and will have to wait until the next Open Enrollment period. The exception…
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