Many uninsured individuals can access zero-premium or low-premium health plans after application of premium tax credits under the Affordable Care Act. Among the 11 million uninsured non-elderly adults eligible for Marketplace plans in HealthCare.gov states, 2 in 5 (42 percent) could find a plan for $0 and more than half (57 percent) could find a plan for $50 or less per month, as of March 2021. Among the nearly 8 million individuals currently enrolled in Marketplace plans through HealthCare.gov, 15 percent are enrolled in zero-premium plans and 43 percent are enrolled in low-premium plans. This Issue Brief is the first in a series that examines the availability of zero- and low-premium health plans in HealthCare.gov states. Follow-up analyses will examine the effect of the American Rescue Plan provisions for 2021 coverage through HealthCare.gov.
Related Products:
- Access to Marketplace Plans with Low Premiums on the Federal Platform, Part II: Availability Among Uninsured Non-Elderly Adults Under the American Rescue Plan
- Access to Marketplace Plans with Low Premiums on the Federal Platform Part III: Availability Among Current HealthCare.gov Enrollees Under the American Rescue Plan
- Count Estimates of Zero-and Low-Premium Plan Availability, HealthCare.gov States Pre and Post the American Rescue Plan
- The Remaining Uninsured: Geographic and Demographic Variation
- State, County, and Local Estimates of the Uninsured Population: Prevalence and Key Demographic Features
- Trends in the U.S. Uninsured Population, 2010-2020
- Health Plan Choice and Premiums in the 2019 Federal Health Insurance Exchange