Private 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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  • 2024 Medical Loss Ratio Rebates

    Issue Brief

    Insurers estimate they will pay $1.1 billion in Medical Loss Ratio (MLR) rebates in 2024 to select individuals and employers that purchase their health coverage, according to a KFF analysis of preliminary data reported to state regulators. The estimated rebate for 2024 is larger than rebates issued in most prior years. Nearly $12 billion in rebates have been issued since 2012.

  • How Workers and Employers Diverge on Wellness Programs 

    News Release

    In his latest column for The Wall Street Journal’s Think Tank, Drew Altman examines employer attitudes and the evidence on wellness programs, and what the prospects for wellness programs are long term. All previous columns by Drew Altman are available online.

  • Taking Stock and Taking Steps: A Report from the Field after the First Year of Marketplace Consumer Assistance under the ACA

    Report

    This report summarizes experiences of Marketplace assistance programs as they helped consumers enroll in coverage during the first Open Enrollment period under the Affordable Care Act. Insights about what worked and where improvements could help are drawn from discussions of assisters and other experts who participated in a Consumer Assistance Roundtable, jointly sponsored by the Kaiser Family Foundation and the Robert Wood Johnson Foundation in June, 2014.

  • Workers Wary of Wellness Programs that Tie Premiums to Participation and Outcomes

    News Release

    June Poll Finds No Change in Public's Overall View of the Affordable Care Act Most in Military Households Say VA Problems Are Systemic and Care Not As Good As What Other Americans Receive  As many employers begin to expand their wellness programs under new guidelines set forth by the Affordable Care Act (ACA), the latest…

  • Tax Subsidies for Private Health Insurance

    Issue Brief

    This brief describes the different forms of tax assistance for private health insurance, including subsidies offered through the Affordable Care Act's marketplaces and benefits for people who are self-employed or who have employer-based coverage. The brief also provides examples of how the subsidies work and how the amounts may differ by income and type of coverage.