A recent survey has revealed the mounting challenges that enrollees of the Affordable Care Act (ACA) Marketplace face regarding costs and coverage. After the expiration of enhanced premium tax credits at the end of 2025, many individuals reported significant increases in health care expenses as they navigated the changes for 2026. The survey, conducted by KFF, included follow-up interviews with 1,117 individuals previously enrolled in ACA Marketplace plans.
Key Findings on Cost Challenges
Here are some critical insights from the survey regarding health care costs:
- 50% of returning Marketplace enrollees indicated they are experiencing a lot higher health care costs this year.
- About 80% reported increased premiums, deductibles, or coinsurance compared to the previous year.
- 73% of returning enrollees expressed concerns about affording emergency care or hospitalization.
- 49% were worried about paying for routine medical visits.
Impact on Household Budgets
The survey highlighted how health care costs are straining household finances. Here are some key statistics:
- 55% of enrollees reported cutting back on food or essential household items to manage health care expenses.
- 62% of those with chronic health conditions are similarly reducing spending on necessities.
Shifts in Coverage Due to Costs
The financial burden has resulted in significant changes in coverage among enrollees:
- 9% of enrollees are currently uninsured.
- 28% switched to a different Marketplace plan due to unaffordability.
Political Implications of Rising Costs
As health care costs remain a pressing issue, they are expected to influence voter behavior in upcoming elections:
- Nearly 73% of enrollees say health care costs will impact their voting decisions.
- Democrats are significantly more likely than Republicans to claim health care expenses will affect their votes.
Continued Concerns Among Younger Enrollees
Younger enrollees, particularly those aged 18 to 29, report higher rates of leaving the Marketplace:
- 49% of younger enrollees have exited the Marketplace, with 14% now uninsured.
Conclusion
The results of this survey underscore the financial strain caused by the expiration of enhanced ACA tax credits. Many enrollees are grappling with increased health care costs, which not only affect their access to necessary services but also significantly impact their household budgets and financial stability. These challenges are predicted to reverberate beyond the individual level, potentially shaping national discussions and voter sentiment in upcoming elections.
