Count Estimates of Zero- and Low-Premium Plan Availability, HealthCare.gov States Pre and Post ARP

04/13/2021

These supplemental data tables are for the ASPE Issue Brief series, Access to Marketplace Plans with Low Premiums on the Federal Platform, that examines the availability of zero-premium and low-premium (defined as less than or equal to $50 per month) plans after application of advanced premium tax credits in states served by the federal Marketplace platform, HealthCare.gov, before and after the passage of the American Rescue Plan Act of 2021 (ARP).

We estimate counts of individuals who may have zero- and low-premium health plans available to them pre- and post-ARP for two study populations: 1) uninsured non-elderly adults (excluding those with incomes < 100% of the Federal Poverty Level (FPL) in Medicaid non-expansion states and < 138% of FPL in Medicaid expansion states); and 2) current Marketplace enrollees in HealthCare.gov states. Results are presented by plan metal tier, select demographic characteristics, and state. Table 1 shows zero- and low-premium plan availability by metal tier (e.g., bronze, silver, gold, or any metal tier) for these two populations. Table 2 shows zero- and low-premium plan availability for these two populations, stratified by the following demographic characteristics: rural status, age, income, and race and ethnicity. Table 3 shows zero- and low-premium plan availability for these two populations by state.

These estimates use data from both the 2019 American Community Survey (ACS) and Marketplace Plan and Plan Selection Files for Coverage in 2021. The current HealthCare.gov enrollees study population are consumers enrolled as of March 1, 2021. We defined rural status at the county level in the Marketplace files and used ACS categories for race and ethnicity. Estimates are rounded to the nearest thousand and rounding may result in small deviations in pre- vs post-ARP change from the listed counts for each. Catastrophic plans are excluded from this analysis.

This analysis has several data limitations. Fifteen states operate State-Based Marketplaces (SBMs) separate from HealthCare.gov. Plan data from SBMs was not available for this analysis. Lastly, race and ethnicity data for HealthCare.gov enrollees were frequently missing (approximately 42% of current enrollees) and these variables were not used for estimating descriptive statistics.

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*This content is in the process of Section 508 review. If you need immediate assistance accessing this content, please submit a request to Ann Conmy, (202) 815-9400, ann.conmy@hhs.gov. Content will be updated pending the outcome of the Section 508 review.

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"Count Estimates of the Availability of Zero- and Low-Premium Plans Among Uninsured Non-Elderly Adults" (eet, 36.17Kb)

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