Private Insurance

This brief provides an overview of the financial assistance provided under the ACA for people purchasing coverage on their own through health insurance Marketplaces (also called exchanges).

Drug makers sometimes offer copay coupons to lower consumers’ out-of-pocket costs for their brand-name prescriptions, though how private health plans treat those coupons can substantially limit their value to consumers. This issue brief provides an overview of such copay adjustment programs, stakeholder arguments for and against their use, their prevalence, and federal and state efforts to address them.

Young adults, particularly those ages 18-25, are more likely to be covered as dependents than adults overall (72% vs. 32%). The Affordable Care Act (ACA) requires most employer plans to allow young adults to remain on a parent’s plan until age 26.

KFF’s 2024 Women’s Health Survey finds that women aren’t fully aware that the Affordable Care Act (ACA) requires insurance plans to cover the full cost of recommended preventive health care services – especially contraception.

Family premiums for employer-sponsored health insurance rose 7% this year to reach an average of $25,572 annually, KFF’s 2024 benchmark Employer Health Survey finds. On average, workers contribute $6,296 annually to the cost of family coverage.   This marks the second year in a row that premiums are up 7%.…