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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…

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.

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.”

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.

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 eligible for the assistance, the maximum repayment limits for the credits, and out-of-pocket spending limits.

The Potential Side Effects of Halbig

The Halbig case, if it prevails, would have far-reaching side effects on the Affordable Care Act’s employer mandate and the functioning of the individual insurance market.

The Stakes Beyond the Halbig Lawsuit

In a column for The Wall Street Journal’s Think Tank, Drew Altman discusses if the legal court cases about whether the government can provide tax credits to people in the Affordable Care Act’s federal health exchanges will be perceived by the American people as a legitimate legal question or as more inside-Washington politics.

How Much Financial Assistance Are People Receiving Under the Affordable Care Act?

This analysis examines the amount of financial assistance that people have qualified for through premium tax credits in the new health insurance marketplaces (also known as exchanges) under the Affordable Care Act through the end of February 2014. The brief also examines the implications that the enrollment variation carries for the potential tax benefits the Affordable Care Act offers to state residents.