Commonwealth Fund December 2, 2025
TOPLINES
Although the Affordable Care Act simplified health care coverage choices, policy changes from 2010 to 2025 have eroded those gains
To make plan selection less complex and improve consumer satisfaction, policymakers have several options
Abstract
- Issue: Although the Affordable Care Act (ACA) aimed to standardize coverage while maintaining plan choice, selecting a health plan remains a complex process for enrollees.
- Goals: To review the ACA’s policies to simplify the ways health plans vary and improve the plan selection process. We also assess subsequent changes to those policies as well as major proposals that could either improve them or increase complexity and potential dissatisfaction with private health plan coverage.
- Methods: Analysis of research, government data, proposals, final rules, and...
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