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The ACA MarketplaceS

What We Know about Trump’s $500 ACA Checks and the User Fees Funding Them

This analysis examines the $500 checks that the Trump administration is sending to some Affordable Care Act Marketplace enrollees and the user fees that are paying for them. The checks are going to about 1 million enrollees in the 30 states that rely on the federal HealthCare.gov Marketplace who are not receiving any tax credits this year.

Individual Market Enrollment Declined by 18% Since June 2025

Individual Market Enrollment Fell 18%, Suggesting Continued ACA Marketplace Losses

Enrollment in the individual health insurance market fell by 18%—over 4.6 million people—from 25.2 million in June 2025 to 20.5 million in June 2026. Falling individual market enrollment suggests further decline in ACA Marketplace enrollment this year, since Marketplace enrollees represent the vast majority of individual market coverage. The enrollment decline coincides with the expiration of the enhanced premium tax credits and other policy changes that are expected to reduce enrollment.

About the ACA

Promotional image for KFF video How Affordable is the Affordable Care Act

Did the Affordable Care Act Make Health Care More Affordable?

The expiration of the ACA’s enhanced premium tax credits at the start of 2026, combined with rising insurer premiums, put a spotlight on health care affordability that extends beyond Marketplace enrollees. KFF’s Cynthia Cox examines the ACA’s record and the broader underlying question it raises: what’s a fair price for Americans people to pay for health care?

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  • ¿Qué es un plan de salud para estudiantes?

    FAQs

    Un plan de salud estudiantil es un tipo especial de cobertura médica que las universidades ofrecen a sus estudiantes matriculados. Normalmente, un plan de salud estudiantil es diferente de la cobertura patrocinada por el empleador que las universidades ofrecen a su plantel de profesores y a su personal.

  • No sé cuánto tiempo hace que terminó mi Medicaid. ¿Hay una fecha límite para solicitar la cobertura del mercado?

    FAQs

    Sí, el período especial de inscripción por pérdida de Medicaid o CHIP es de 90 días en la mayoría de los estados. Esto significa que los consumidores tendrán hasta 90 días después de la pérdida de Medicaid o CHIP para inscribirse en el mercado de seguros. Si no solicita la cobertura del mercado dentro de este plazo, podría tener que esperar hasta el próximo período de inscripción abierta para hacerlo. Los estados que administran sus…

  • ¿Qué sucede si recibo atención de un médico que no está en la red de mi plan?

    FAQs

    En general, los planes no están obligados a cubrir la atención recibida de un proveedor fuera de la red (OON). Por ejemplo, si decide consultar a un médico de cabecera que no pertenece a la red de su plan, es posible que su aseguradora no cubra la factura o, si lo hace, podría tener que pagar un costo compartido mucho mayor que si hubiera optado por consultar a un proveedor dentro de la red. En…

  • Mi pareja y yo vivimos juntos, pero no estamos casados. ¿Se utilizarán nuestros ingresos familiares combinados para determinar nuestra elegibilidad y el monto de los subsidios para las primas?

    FAQs

    Suponiendo que ninguno de los dos declara dependientes en su declaración de impuestos, se considerará que cada uno forma un hogar individual y sus ingresos se utilizarán para determinar la elegibilidad y el monto de los subsidios para las primas y las reducciones de costos compartidos. Si cumplen los requisitos para los subsidios para las primas, cada uno recibirá una determinación por separado sobre el monto de su crédito y si cumplen los requisitos para…

  • Issue Briefs and Testimony Related to Health Reform

    Issue Brief

    Issue Briefs Related to Health Reform This collection of some of our most recent and relevant issue briefs go beyond the basics to provide concise discussions and analyses of key policy topics related to health reform. For a more complete collection of all the Foundation's health reform resources, click here.Health Reform Roundtables: Charting A Course Forward Health Reform Roundtables: Charting A Course Forward is a series of discussions among federal officials, state officials and outside…

  • Resources on Community Health Centers

    Fact Sheet

    The Kaiser Family Foundation has issued three new resources that examine the role of community health centers as key components of the U.S. health care system, providing primary care to more than 16 million patients nationwide in 2007. The documents, produced for the Kaiser Commission on Medicaid and the Uninsured, include a fact sheet on community health centers, an updated issue brief on their role in the health system and a report on how such…

  • Optimizing Medicaid Enrollment: Spotlight on Technology

    Report

    The health reform law provides for a national expansion of Medicaid in 2014 that will extend eligibility to millions more low-income people, primarily uninsured adults. It also requires implementation of a coordinated system for determining eligibility for Medicaid and subsidized coverage in the new health insurance exchanges. Given the expected new demands on Medicaid eligibility and enrollment systems, and continuing fiscal strains on states, the impetus to streamline and automate Medicaid systems has never been…

  • Most People Enrolled in Marketplace Coverage are Satisfied with Plan’s Premiums, Cost-Sharing and Provider Networks, New Survey Finds

    News Release

      Affordability Remains Significant Concern for Many in Non-Group Plans Following the Affordable Care Act's second open enrollment period, most people enrolled in marketplace plans report being satisfied with a wide range of their plan's coverage and features, finds a new Kaiser Family Foundation survey of people who buy their own health insurance. A large majority (74%) of those in marketplace plans rate their coverage as excellent or good, the survey finds. Most (59%) also…

  • Workplace Wellness Programs Characteristics and Requirements

    Issue Brief

    This issue brief summarizes what’s known about workplace wellness programs offered by employers today and the use of financial incentives to encourage workers to participate. Findings are drawn from the KFF/HRET Annual Employer Health Benefits Survey. In addition, the brief reviews proposed changes by the Equal Employment Opportunity Commission (EEOC) in federal standards governing financial incentives by workplace wellness programs and how these changes might balance the use of incentives against other discrimination and privacy…