Private Insurance

With the enhanced subsidies for enrollees in ACA Marketplace plans set to expire at the end of 2025, this calculator illustrates how much out-of-pocket premiums would increase if Congress does not extend the subsidies. It shows the projected premium increases based on incomes, zip code, family size and ages based on 2025 ACA Marketplace premiums.

This blog post details ten things to know about the 2025 open enrollment period.

This brief provides an overview of the financial assistance provided under the ACA for people purchasing coverage on their own through health insurance Marketplaces (also called exchanges).

Drug makers sometimes offer copay coupons to lower consumers’ out-of-pocket costs for their brand-name prescriptions, though how private health plans treat those coupons can substantially limit their value to consumers. This issue brief provides an overview of such copay adjustment programs, stakeholder arguments for and against their use, their prevalence, and federal and state efforts to address them.

Young adults, particularly those ages 18-25, are more likely to be covered as dependents than adults overall (72% vs. 32%). The Affordable Care Act (ACA) requires most employer plans to allow young adults to remain on a parent’s plan until age 26.