This analysis details how ACA marketplace premiums changed by county from 2023 to 2024, after taking into account expanded subsidies available under the Inflation Reduction Act.
2024 Medical Loss Ratio Rebates
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 […]
Employer-Sponsored Health Insurance 101
This Health Policy 101 chapter explores employer-sponsored health insurance (ESI), the primary health coverage source for non-elderly residents in the U.S. In addition to detailing ESI requirements and incentives, structure, availability, and costs, the chapter examines ongoing challenges related to affordability and access to care for those with ESI coverage.
The Regulation of Private Health Insurance
This Health Policy 101 chapter explores the complex landscape of private health insurance regulation in the United States, detailing the interplay between state and federal regulations that shape access, affordability, and the adequacy of private health coverage. It focuses on key laws such as the Affordable Care Act (ACA) and […]
He Fell Ill on a Cruise. Before He Boarded the Rescue Boat, They Handed Him the Bill.
Vincent Wasney and his fiancée, Sarah Eberlein, had never visited the ocean. They’d never even been on a plane. But when they bought their first home in Saginaw, Michigan, in 2018, their real estate agent gifted them tickets for a Royal Caribbean cruise. After two years of delays due to […]
The Implications of the Public’s Pre-existing Condition Amnesia
KFF’s Larry Levitt discusses waning awareness of the Affordable Care Act’s provisions protecting people with pre-existing conditions and examines the Republican Study Committee’s budget proposal, which proposes to repeal the provisions.
Where ACA Marketplace Enrollment is Growing the Fastest, and Why
In 2024, Affordable Care Act (ACA) Marketplace enrollment hit a new record high, reaching over 21 million people. This policy watch discusses the the factors contributing to the increased enrollment in the fastest growing marketplaces.
States with the Fastest Recent Growth in ACA Marketplace Coverage Started with High Uninsured Rates
The states with the fastest recent growth in ACA Marketplace signups also had among the highest uninsured rates previously, as enhanced subsidies helped to make coverage more affordable for many consumers, particularly in southern states that did not expand their Medicaid programs to cover low-income adults, a new KFF analysis […]
Medical Debt Among New Mothers
This analysis examines the share of new mothers who have significant medical debt (in excess of $250), compared to other young women who did not recently give birth, using data from the Survey of Income and Program Participation (SIPP).
Final Prior Authorization Rules Look to Streamline the Process, but Issues Remain
This brief examines the final CMS regulations governing prior authorization in Medicare Advantage, Marketplace, Medicaid, and other plans, how they might address some current consumer concerns, and some issues that remain.