2025 KFF Marketplace Enrollees Survey

In 2021, during the COVID-19 pandemic, Congress passed the American Rescue Plan Act (ARPA) which temporarily increased tax credits available for adults purchasing their own health insurance through the ACA Marketplace. These enhanced tax credits increased the financial assistance available to existing Marketplace enrollees who already qualified for financial help and extended financial assistance to some middle-income adults who were previously not eligible for premium tax credits. The tax credits were extended as part of the 2022 Inflation Reduction Act and are set to expire at the end of 2025.

If Congress does not extend the tax credits beyond 2025, premium payments will increase 114% on average for the 22 million people who currently get...