ACA Marketplace

ACA Marketplace

Why ACA Enrollment Dropped by 3 Million After Premiums Jumped

A new KFF analysis finds that Affordable Care Act marketplace enrollment has dropped by about 3 million people, coinciding with a sharp jump in what enrollees are paying out of pocket for their premiums. If you buy your own coverage through HealthCare.gov or a state marketplace, this drop-off didn’t happen in a vacuum: it traces…

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ACA & Subsidies

The 2026 Repayment Trap: ACA Subsidy Repayment Caps Are Gone

Starting with 2026 Marketplace coverage, anyone who receives more advance premium tax credit than they actually qualify for must repay the full excess amount when they file their taxes in 2027, because the federal repayment caps that previously limited how much lower- and middle-income enrollees had to pay back have been permanently eliminated. This is…

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