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. Although the general rule is that people are not eligible for Marketplace subsidies when they are also eligible for affordable job-based health coverage, a young adult is eligible for premium tax credits in the Marketplace as long as they are not claimed as a tax dependent by their parents.
While employers with 50 or more workers who do not offer health benefits to full-time workers and their dependent children could be subject to a penalty, there is no requirement for employers to offer health benefits to the spouses of full-time workers.
Start by applying for coverage online at HealthCare.gov, via paper application by mail, or by contacting the Marketplace call center and applying over the phone. Applying online is likely the fastest of these options. To apply online, you will need to create a secure personal account with a login ID and password.
That’s up to you.
Yes. Many insurers that offer plans through the ACA Marketplace also offer identical plans outside of the Marketplace that meet all ACA standards, although premium tax credits and cost-sharing subsidies are not available for plans sold outside of the Marketplace.
Cuando cumpla 65 años, debe inscribirse en Medicare y notificar a su plan del mercado que ahora califica para la cobertura de Medicare.
Si tiene Medicare, debe mantenerlo. Las compañías que venden planes del mercado tienen prohibido venderle estos planes si saben que está cubierto por Medicare.
Debe comunicarse con el mercado de seguros para reportar el error y solicitar un formulario 1095-A corregido. La información sobre el formulario 1095-A también se reporta al IRS, por lo que es importante que obtenga un formulario corregido antes de presentar su declaración de impuestos federal.
No, no tendrá que reembolsar los subsidios para las primas al presentar su declaración de impuestos anticipada, siempre que estos se hayan autorizado y pagado durante al menos un mes del año. Existe una regla especial para proteger a las personas en su situación.
Si recibió un subsidio anticipado para pagar las primas (APTC) a través del mercado el año pasado, debe presentar un formulario 8962 con su declaración de impuestos federal para conciliar sus ingresos estimados y reales del año, incluso si calculó sus ingresos con precisión.
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