eHealth Report on the Plight of Unsubsidized ACA Consumers Tracks Eight Years of Cost and Plan Selection Trends
Published since 2014, eHealth's ACA Index Reports have focused exclusively on cost and plan selection trends among consumers not receiving federal subsidies in the form of advanced premium tax credits for Affordable Care Act (ACA) coverage. This year's report provides an eight-year overview of the market from 2014 to 2021.
"eHealth has long referred to the unsubsidized as the ACA's 'forgotten' consumers and advocated on their behalf by drawing attention to the cost burdens they were asked to shoulder," said eHealth CEO
Highlights from the report:
- Average monthly premiums hovered near record highs: Average individual premiums decreased 1% year over year, from
$456to $450per month; average family premiums remained essentially unchanged, at $1,157per month.
- Average deductibles continued to rise: Average annual deductibles for individual plans increased 4% since 2019, while deductibles for family coverage increased 7% in the same period.
- Annual potential costs for 4-person families topped
$25,000again: For 2021, the average family of four paid $16,776in annual premiums and faced an annual deductible of $8,440.
- Silver plans topped Bronze plans for the first time: More unsubsidized consumers chose Silver plans (39%) than Bronze plans (36%) for the first time since eHealth began tracking trends in 2014.
- EPO plans continued to increase in popularity: As of 2021, EPO plans accounted for more than a third (35%) of all plan selections, while HMO plans accounted for about half (49%), and PPO plans for 17%.
Read the full report for more findings and methodology information.
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