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The Enhanced Premium Tax Credits

About Half of Adults with ACA Marketplace Coverage are Small Business Owners, Employees, or Self-Employed

About Half of Adults with ACA Marketplace Coverage are Small Business Employees or Self-Employed and Could Face Higher Premiums Soon

About half (48%) of adults with ACA Marketplace coverage are employed by small businesses or are self-employed and could face higher premiums soon. Because the vast majority of individual market coverage is purchased through the Affordable Care Act (ACA) Marketplaces, changes to the ACA, including the expiration of the enhanced premium tax credits at the end of this year, would have significant implications for what small business owners and workers spend on their health care.

New and noteworthy

ACA Marketplace Plans Nationally Are Seeking a Median 18% Premium Increase for 2026

This analysis of insurers’ initial rate filings for Affordable Care Act Marketplace plans in all 50 states and DC finds the median proposed increase for 2026 is 18%, more than double last year’s proposed increase. The analysis also shows proposed rate changes by state and insurer.


Tariffs Are Driving up Premiums for Small Businesses

Estimates of Additional Uninsured People Across the States

ACA Provisions in the 2025 Federal Budget Reconciliation Law

Health Insurance Marketplace Calculator

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  • Pulling it Together: REPOR(t)

    Perspective

    In today’s column I investigate a somewhat lighter topic than my last column on micro-simulation modeling: What was the impact of shows like Jon Stewart’s The Daily Show and Stephen Colbert’s The Colbert Report on the health reform debate?  Who among us has not wondered about the answer to this question?  Please don’t answer that.

  • Affordability and Health Reform: If We Mandate, Will They (and Can They) Pay?

    Event Date:
    Event

    The Alliance for Health Reform and The Commonwealth Fund co-sponsored this briefing to explore the health reform proposals being considered which may impose responsibilities on both individuals and employers to have and help pay for coverage and whether they will be able to pay the amounts above the subsidies.

  • Public Opinion on Health Reform: What Do the Polls Mean?

    Event Date:
    Event

    The Alliance for Health Reform and the Kaiser Family Foundation co-sponsored this briefing to have a panel of experts answer questions about how public support for health reform waxes and wanes depending, not only on what's being proposed in the reform proposals, but also on who asks the question and how it is asked.

  • Explaining Health Care Reform: What is Comparative Effectiveness Research?

    Issue Brief

    The brief examines current funding for comparative effectiveness research, the provisions included in the current health reform legislation, and issues related to which treatments that might be studied, whether and how to weigh costs of care, and how such findings will be used and shared with health-care practitioners and the public.

  • Web Briefing: Modern Era Medicaid and CHIP – Findings from a 50-State Survey of Eligibility, Enrollment, Renewal, and Cost-Sharing Policies

    Event Date:
    Event

    The Kaiser Commission on Medicaid and the Uninsured (KCMU) hosts a web briefing to present findings from our 13th annual 50-state survey of Medicaid and CHIP eligibility, enrollment, renewal, and cost-sharing policies. The survey provides a profile of where states stand as of January 2015, one year into the implementation of the major Medicaid provisions of the Affordable Care Act (ACA).

  • Medical Debt Among Insured Consumers: The Role of Cost Sharing, Transparency, and Consumer Assistance

    Perspective

    This policy insight examines medical debt among insured consumers, exploring how high cost sharing in health insurance plans can contribute, and explaining how greater transparency could help consumers avoid some financial pitfalls. It also provides an update on provisions of the Affordable Care Act meant to increase health plan transparency and bolster consumer assistance.

  • Kaiser Health Policy News Index: December 2014

    Feature

    Other than the big stories of Ferguson, Ebola and ISIS, the only other news which captured a majority of the public’s attention this month was President Obama’s executive order on immigration. Smaller, yet substantial, shares report closely following many health policy news stories this month. Over four in ten say they closely followed the lawsuit filed by House Republicans against President Obama over the implementation of the health care law and about a third say they followed a change in the official estimate for the number of people that enrolled in health insurance during the ACA’s first open enrollment period and the ACA’s second open enrollment period. The least closely followed health policy story of those asked about this month, was coverage of comments about the ACA made by MIT health economist, Jonathan Gruber

  • Kaiser Health Policy Tracking Poll: December 2014

    Feature

    With many of the Affordable Care Act’s (ACA) major provisions taking effect this past year, the December Kaiser Health Tracking Poll finds that many Americans are aware of the main parts of the law and, with the exception of the individual mandate, at least 6 in 10 feel favorably towards them. The poll finds the vast majority of the uninsured don’t know the deadline to enroll, most expect to get health insurance in the next few months, and nearly two-thirds say they don’t think they’ll have to pay a fine, or don’t know if they will, for not having coverage this year.