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Insurance Markets in a Post-King World

This perspective addresses how insurance markets might respond if the US Supreme Court sides with the plaintiffs in the King v. Burwell case. The case challenges the legality of premium and cost-sharing subsidies for low- and middle-income people buying insurance in states where the federal government rather than the state is operating the marketplace under the Affordable Care Act (ACA).

New Reports Analyze Cost Sharing in 2015 ACA Marketplace Plans in 37 States

Charts Examine Savings from Subsidies at Stake in U.S. Supreme Court Case Cost-sharing subsidies under the Affordable Care Act can substantially reduce deductibles and other cost sharing for people with low incomes purchasing coverage in the federally-facilitated insurance marketplace serving 37 states, a new analysis by the Kaiser Family Foundation…

Cost-Sharing Subsidies in Federal Marketplace Plans

This brief and the accompanying slides examine reduction of cost sharing – deductibles, copayments and coinsurance – in the Affordable Care Act’s (ACA) federally-facilitated marketplaces. The analysis shows how cost-sharing subsidies reduce the cost of deductibles, out-of-pocket limits, physician visits, emergency room visits and prescription drug costs in silver plans for low-income people (people whose income is 250 percent of the federal poverty level or below).

Analysis of 2015 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces

This analysis provides an early look at premium changes for individuals in the health insurance marketplaces, created under the Affordable Care Act (ACA), in major cities across 15 states plus DC. Although premium changes vary across and within states, premium changes for 2015 in general are modest when looking at low-cost plans. On average, individuals will pay slightly less in premiums for the benchmark silver plan in 2015 than in 2014.

Medicaid Expansion in Red States

In this column for The Wall Street Journal’s Think Tank, Drew Altman explains that Tennessee Gov. Bill Haslam’s decision on Medicaid expansion via the Affordable Care Act is the latest sign of pragmatism slowly winning over ideology in red states.

El seguro de salud, explicado: ¡los YouToons lo tienen cubierto!

En Español El seguro de salud, explicado: ¡los YouToons lo tienen cubierto! desglosa conceptos de seguros como primas, deducibles y redes de proveedores.  Explica cómo las personas pagan por su cobertura y cómo obtener cuidado médico y medicamentos recetados con distintos tipos de seguros de salud, incluyendo HMOs y PPOs.…

Health Insurance Explained: The YouToons Have it Covered

In this five-minute animated video, the YouToons help consumers understand their health insurance through fun, easy-to-understand explanations and scenarios. This cartoon serves as a tutorial for consumers and organizations. The YouToons previously appeared in the 2010 animated movie, “Health Reform Hits Main Street” and the 2013, “The YouToons Get Ready for Obamacare: Health Insurance Changes Coming Your Way Under the Affordable Care Act.”

How 13 Million Americans Could Lose Insurance Subsidies

In this column for The Wall Street Journal’s Think Tank, Drew Altman examines the potential impact if the Supreme Court rules in favor of the plaintiffs in the King v. Burwell case. Based on Congressional Budget Office estimates, Altman presents a new Kaiser Family Foundation analysis that shows that 13…

Explaining the 2015 Open Enrollment Period

The brief provides an overview of what consumers can expect during the second annual Open Enrollment period under the Affordable Care Act (ACA), which runs from November 15, 2014 through February 15, 2015. It is the second opportunity for uninsured individuals to enroll in private insurance coverage, premium tax credits and cost sharing subsidies and the first time that people newly insured in 2014 can renew their health plan coverage and subsidies. It also overlaps with the start of the tax filing season, during which subsidized individuals will undergo tax reconciliation of their 2014 financial assistance and the individual responsibility provisions of the ACA will be enforced.