Data Note: 2021 Medical Loss Ratio Rebates
Private insurance companies expect to pay $2.1 billion in rebates to consumers in 2021 due to excessive premiums in recent years.
Premiums
Analysis Estimates 5.1 Million People Fall into the Affordable Care Act’s “Family Glitch”
A new KFF analysis estimates 5.1 million people nationally fall into the Affordable Care Act’s “family glitch” that occurs when a worker receives an offer of affordable employer coverage for themselves but not for their dependents, making them ineligible for financial assistance for marketplace coverage.… Read More »Analysis Estimates 5.1 Million People Fall into the Affordable Care Act’s “Family Glitch”
The ACA Family Glitch and Affordability of Employer Coverage
This analysis estimates that 5.1 million people fall into the Affordable Care Act’s “family glitch,” which occurs when a worker receives an offer of affordable employer coverage for themselves but not for their dependents, making them ineligible for financial assistance for marketplace coverage. It explores… Read More »The ACA Family Glitch and Affordability of Employer Coverage
The Great Undoing: Which of Trump’s Policies Will Biden Reverse?
KHN has put together an interactive tool of significant health policies implemented by the Trump administration using its own authority — executive orders, agency guidance or formal regulations — and is tracking Biden administration and court actions. We will update this chart as actions are… Read More »The Great Undoing: Which of Trump’s Policies Will Biden Reverse?
Web Briefing: Understanding the Health Coverage and Affordability Provisions in the American Rescue Plan Act
The American Rescue Plan (ARP) Act signed into law earlier this month includes a number of provisions aimed at making health coverage more accessible and affordable amid the public health and economic crises created by the COVID-19 pandemic. Join KFF at a web briefing to… Read More »Web Briefing: Understanding the Health Coverage and Affordability Provisions in the American Rescue Plan Act
How the American Rescue Plan Act Affects Subsidies for Marketplace Shoppers and People Who Are Uninsured
This brief use data from the American Community Survey (ACS) to provide estimates of eligibility for and the amount of financial assistance to purchase Marketplace coverage under the ARPA among both current individual market purchasers, as well as Marketplace-eligible uninsured people.
Lots of Health Insurance Help in Covid Relief Law — But Do Your Homework First
There’s something for everyone with private health insurance in the American Rescue Plan Act, but determining the best way to benefit may be confusing. This story also ran on NBC News. It can be republished for free. The $1.9 trillion covid relief law that President… Read More »Lots of Health Insurance Help in Covid Relief Law — But Do Your Homework First
Impact of Key Provisions of the American Rescue Plan Act of 2021 COVID-19 Relief on Marketplace Premiums
This data note estimates how tax credits premiums will change for people at various ages and incomes under the temporary boost in subsidies included in the American Rescue Plan Act of 2021, the COVID-19 relief plan signed into law in March 2021.
Updated KFF Calculator Estimates Marketplace Premiums to Reflect Expanded Tax Credits in COVID-19 Relief Legislation
KFF has updated its 2021 Health Insurance Marketplace Calculator to reflect the expanded premium tax credits available to people who purchase their own coverage through their state’s health insurance exchange as passed by Congress in the American Rescue Plan Act and expected to be signed… Read More »Updated KFF Calculator Estimates Marketplace Premiums to Reflect Expanded Tax Credits in COVID-19 Relief Legislation
2021 Calculator – Before COVID-19 Relief
The Health Insurance Marketplace Calculator, updated with 2021 premium data and to reflect subsidies in the American Rescue Plan Act of 2021, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by… Read More »2021 Calculator – Before COVID-19 Relief
2021 Calculator – Before COVID-19 Relief
The Health Insurance Marketplace Calculator, updated with 2021 premium data and to reflect subsidies in the American Rescue Plan Act of 2021, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by… Read More »2021 Calculator – Before COVID-19 Relief
Health Insurance Marketplace Calculator
The Health Insurance Marketplace Calculator, updated with 2021 premium data and to reflect subsidies in the American Rescue Plan Act of 2021, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by… Read More »Health Insurance Marketplace Calculator
Pandemic Aid Package Includes Relief From High Premiums
This story also ran on NPR. It can be republished for free. As President Joe Biden’s pandemic relief package steams through Congress, Democrats have hitched a ride for a top health care priority: strengthening the Affordable Care Act with some of the most significant changes… Read More »Pandemic Aid Package Includes Relief From High Premiums
Two New Analyses: House COVID-19 Relief Plan Would Temporarily Lower Marketplace Premiums for Millions and More than Offset Short-Term State Costs to Expand Their Medicaid Programs
The House COVID-19 relief proposal would temporarily lower what millions of Marketplace enrollees and uninsured potential enrollees would pay toward premiums and would provide states that have not expanded their Medicaid programs a financial boost that would more than offset their costs initially, two new… Read More »Two New Analyses: House COVID-19 Relief Plan Would Temporarily Lower Marketplace Premiums for Millions and More than Offset Short-Term State Costs to Expand Their Medicaid Programs
Impact of Key Provisions of the House COVID-19 Relief Proposal on Marketplace Premiums
This data note estimates how premiums would change for people at various ages and incomes under the subsidy schedule outlined in the House COVID-19 Relief Proposal.
Health Policy Valentines to Warm the Heart
Nothing warms our hearts like a few good Health Policy Valentines ― especially those that are sweet on KHN. Tweeters lit up our timeline in recent days with valentine messages about topics ranging from covid-19 vaccines and mask-wearing to the price of health care. Here… Read More »Health Policy Valentines to Warm the Heart
A Dozen Facts About Medicare Advantage in 2020
Medicare Advantage enrollment has grown rapidly over the past decade, and Medicare Advantage plans have taken on a larger role in the Medicare program. More than 24 million Medicare beneficiaries (36%) are enrolled in Medicare Advantage plans in 2020. This data analysis provides updated information… Read More »A Dozen Facts About Medicare Advantage in 2020
Options to Make Medicare More Affordable For Beneficiaries Amid the COVID-19 Pandemic and Beyond
Medicare provides significant health and financial protections to more than 60 million Americans, but there are gaps in coverage and high cost-sharing requirements that can make health care difficult to afford. This report analyzes several policy options that could help make health care more affordable… Read More »Options to Make Medicare More Affordable For Beneficiaries Amid the COVID-19 Pandemic and Beyond
During ACA Open Enrollment, Picking a Plan Invites New COVID Complications
People buying their own health insurance have even more to think about this year, particularly those post-COVID-19 patients with lingering health concerns, the “long haulers,” who join the club of Americans with preexisting conditions. What type of plan is best for someone with an unpredictable,… Read More »During ACA Open Enrollment, Picking a Plan Invites New COVID Complications
How ACA Marketplace Premiums Are Changing by County in 2021
Premiums for ACA Marketplace benchmark silver plans are decreasing on average across the U.S. in 2021. However, premium changes vary widely by location and by metal level, including premium increases in a number of counties and plans.
10 Reasons to Pay Attention to ACA Open Enrollment This Year
Whether new to the market or reenrolling, everyone who wants 2021 coverage through the ACA Marketplace must sign up during Open Enrollment. Here, we detail ten ways in which the 2021 ACA open enrollment period differs from enrollment periods in past years.
Explaining Health Care Reform: Questions About Health Insurance Subsidies
This brief describes health insurance subsidies available through the Affordable Care Act’s marketplaces, including premium subsidies that would be provided in the form of tax credits, as well as other subsidies that would lower cost sharing to eligible Americans. It provides details on who is… Read More »Explaining Health Care Reform: Questions About Health Insurance Subsidies
Medicare Advantage 2021 Spotlight: First Look
For 2021, the average Medicare beneficiary has access to 33 Medicare Advantage plans, the largest number of options available in the last decade, and can choose from plans offered by eight firms. Among the majority of Medicare Advantage plans that cover prescription drugs, 54 percent… Read More »Medicare Advantage 2021 Spotlight: First Look
Medicare Part D: A First Look at Medicare Prescription Drug Plans in 2021
This issue brief provides an overview of the Medicare Part D prescription drug benefit plan landscape for 2021, with a focus on stand-alone drug plans. It includes national and state-level data on plan availability, premiums, benefit design, cost sharing, information about premium-free plans for low-income… Read More »Medicare Part D: A First Look at Medicare Prescription Drug Plans in 2021
2020 Health Insurance Marketplace Calculator
The Health Insurance Marketplace Calculator, updated with 2020 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your… Read More »2020 Health Insurance Marketplace Calculator
App-Based Companies Pushing Prop. 22 Say Drivers Will Get Health Benefits. Will They?
App-based driving services such as Uber, Lyft, DoorDash and Instacart are bankrolling California’s Proposition 22, which would keep their drivers classified as independent contractors, not employees. Leading into the Nov. 3 election, the ballot measure — which has become the most expensive in state history… Read More »App-Based Companies Pushing Prop. 22 Say Drivers Will Get Health Benefits. Will They?
2021 Premium Changes on ACA Exchanges and the Impact of COVID-19 on Rates
A look at preliminary marketplace rate filings reveals many premium changes for 2021 are moderate thus far, with increases or decreases of a few percentage points. However, most insurers have not yet incorporated the rate impacts of the COVID-19 pandemic in their rate changes for… Read More »2021 Premium Changes on ACA Exchanges and the Impact of COVID-19 on Rates
2020 Employer Health Benefits Chart Pack
This slideshow captures key data from the 2020 KFF Employer Health Benefits Survey survey, providing a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, offer rates, wellness programs, and employer practices.
Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2020
This graphing tool allows users to explore trends in workplace-sponsored health insurance premiums and worker contributions over time for different categories of employers based on results from the annual Employer Health Benefits Survey. Breakouts are available by firm size, region and industry, as well as… Read More »Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2020
2020 Employer Health Benefits Survey
This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, offer rates, wellness programs, and employer practices. Annual premiums for employer-sponsored family health coverage reached $21,342 this year, up 4% from last year, with… Read More »2020 Employer Health Benefits Survey
Job-Based Health Insurance Costs Are Up 4% This Year, 55% in Past Decade
Health insurance costs for Americans who get their coverage through work continued a relentless march upward with average family premiums rising 4% to $21,342 this year, according to a study published Thursday. The annual survey by KFF found workers on average are paying nearly $5,600… Read More »Job-Based Health Insurance Costs Are Up 4% This Year, 55% in Past Decade
Big profits put insurers on awkward footing
During the height of the Covid-19 pandemic, all of the seven largest commercial insurers saw their profits rise, with some seeing their profits double. Will they have to pay some of it back?
Health Insurance Needs to Grow Up
By KIM BELLARD I’ve been covered by private insurance my entire life. Even more telling, I worked in the health insurance industry for — gasp! — some thirty years. It’s not just paid for my healthcare, it’s financed my life. Today, though, for the first… Read More »Health Insurance Needs to Grow Up
Don’t Count on Lower Premiums Despite Pandemic-Driven Boon for Insurers
When COVID-19 smacked the United States in March and April, health plans feared medical costs could skyrocket, jacking up premiums drastically in 2021, when millions of the newly unemployed might still be out of work. But something else happened: Non-COVID care collapsed as hospitals emptied… Read More »Don’t Count on Lower Premiums Despite Pandemic-Driven Boon for Insurers
An Early Look at 2021 Premium Changes on ACA Exchanges and the Impact of COVID-19 on Rates
A look at preliminary marketplace rate filings reveals many premium changes for 2021 are moderate thus far, with increases or decreases of a few percentage points. However, most insurers have not yet incorporated the rate impacts of the COVID-19 pandemic in their rate changes for… Read More »An Early Look at 2021 Premium Changes on ACA Exchanges and the Impact of COVID-19 on Rates