About 22 million Americans who buy health insurance through the Affordable Care Act marketplaces receive premium tax credits.
November 14, 2025
high
temporal
Scale of ACA marketplace subsidy recipients.
Lower-premium 'bronze' plans sold on Affordable Care Act marketplaces often have high deductibles, and some marketplace plans have deductibles reaching approximately $6,000 in out-of-pocket costs.
November 14, 2025
high
temporal
Characteristics of ACA marketplace plan tiers and typical out-of-pocket deductible levels.
Enhanced premium subsidies (premium tax credits) under the Affordable Care Act make coverage more affordable for people enrolled through ACA marketplaces (exchanges).
November 09, 2025
high
policy
Premium tax credits reduce out-of-pocket insurance premiums for enrollees in ACA exchanges.
A 2025 KFF analysis of insurers' 2026 rate filings estimated that average premium payments by Affordable Care Act marketplace enrollees would increase by about 114% if enhanced premium tax credits expired.
October 12, 2025
high
statistical
KFF analyzed insurer rate filings for 2026 to model the impact of ending enhanced ACA premium tax credits.
As of 2025, about 24 million people obtain health coverage through the Affordable Care Act marketplaces.
October 12, 2025
high
statistical
Enrollment scale for ACA marketplace coverage (commonly called exchanges).
As of October 7, 2025, a record 24 million people were enrolled in insurance coverage through the Affordable Care Act (ACA) marketplaces.
October 07, 2025
high
temporal
Enrollment total for ACA marketplace coverage reported contemporaneously with ongoing policy debates.
The Affordable Care Act includes subsidies intended to make health insurance purchased through ACA marketplaces more affordable for many Americans.
high
descriptive
ACA marketplace premium and cost-sharing subsidies help lower consumers' out-of-pocket and premium costs.