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Policy Changes Bring Renewed Focus on High-Deductible Health Plans

Policy changes, anticipated increases in premium costs for enrollees, and new standards for health savings accounts may encourage consumers to seek out plans with lower premiums but higher deductibles. This issue brief explores the features of bronze and catastrophic plans, coverage and costs, and the complicated choices consumers face.

Health Insurer Financial Performance in 2024

Examining Short-Term Limited-Duration Health Plans

Health Savings Account Provisions in the 2025 Tax and Spending Law

Consumer Experiences with Health Insurance

Health Care Affordability

BTD Health Policy in 2026

Health Policy in 2026

President and CEO Dr. Drew Altman forecasts eight things to look for in health policy in 2026. “First and foremost,” he writes, “is the role health care affordability will play in the midterms.” And, he notes: “The average cost of a family policy for employers could approach $30,000 and cost sharing and deductibles will rise again after plateauing for several years.”

View all of Drew’s Beyond the Data Columns

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  • Pre-existing Conditions and Medical Underwriting in the Individual Insurance Market Prior to the ACA

    Issue Brief

    This brief reviews medical underwriting practices by private insurers in the individual health insurance market prior to 2014, and estimates how many American adults could face difficulty obtaining private individual market insurance because of a pre-existing condition if the Affordable Care Act (also known as Obamacare) were repealed or amended and such practices resumed.

  • Public Ranks Drug Costs and Sufficient Provider Networks Ahead of Affordable Care Act Changes as Health Care Priorities for Next President and Congress to Address

    News Release

    As the 2016 campaign nears its end, the latest Kaiser Health Tracking Poll examines the public’s view on health care priorities for the next president and Congress. Overall, Americans rank addressing high prescription drug costs and ensuring adequate provider networks in insurance plans among their top health care priorities.

  • Kaiser Health Tracking Poll: October 2016

    Feature

    This month’s Kaiser Health Tracking Poll examines top issues to voters in the presidential election and finds that while health care ranks low, voters report being aware of the differences between Clinton’s and Trump’s health care proposals. Findings also include a look at which health care issues the next president and Congress should prioritize, the future of the Affordable Care Act, as well as Americans’ views on the creation of a public health insurance option.

  • Public Ranks Children’s Health Insurance, Marketplace Stabilization Higher Priorities than ACA Repeal

    News Release

    Majorities Support Buy-In Ideas for Medicaid and Medicare Among health priorities facing urgent deadlines in Washington in September, the public ranks repeal of the Affordable Care Act lower than reauthorizing funding for the Children’s Health Insurance Program (CHIP) and stabilizing individual health insurance marketplaces established by the ACA, the Kaiser Family Foundation’s new tracking poll…

  • Kaiser Health Tracking Poll – March 2018: Non-Group Enrollees

    Feature

    This report explores the experiences of individuals who purchase their own insurance through the Affordable Care Act (ACA) marketplace. The poll finds marketplace enrollees are worried about the future of health insurance availability and costs in their areas, but most say their premiums have not increased this year and they are satisfied with their insurance options.

  • Who can still sign up for 2018 coverage after December 15?

    Fact Sheet

    This fact sheet highlights the states and situations where consumers can still sign up for a 2018 marketplace plan even though the Dec. 15 deadline for enrolling in healthcare.gov states has passed. It includes consumers in states who have extended open enrollment periods, people whose 2017 plan was discontinued, and people who live in or moved from counties affected by this year's major hurricanes.

  • Key Issues Related to COBRA Subsidies

    Issue Brief

    Congress is considering proposals to subsidize COBRA coverage. We discuss the group market coverage that would be extended by COBRA subsidies, how COBRA costs and coverage compare to other common coverage options for those who lose job-based coverage (ACA Marketplace plans or Medicaid), and key considerations regarding COBRA subsidies for consumers and employers.

  • Kaiser Health Tracking Poll: January 2016

    Feature

    Despite the ongoing debate between Republican lawmakers and President Obama on the future of the 2010 health care law, the January Kaiser Health Tracking Poll finds the Affordable Care Act (ACA) is only one of many issues that may impact voting decisions. While there has been recent focus on improving the value of health care, those with insurance under 65 years old largely say the health care services they receive are at least a good value for what they pay for them. Also, in the final days of the 2016 open enrollment period, many uninsured are largely disengaged from the health care system and opportunities for coverage, with large majorities being unaware of the date for the upcoming deadline to enroll or of the fine for not having health insurance in 2016.