With enhanced subsidies from the American Rescue Plan in force for at least three more cycles, carriers and consumers alike see the ACA as a long-term healthcare solution. However, the makeup of the ACA consumer has changed dramatically since its inception. More middle-income consumers have moved into IFP coverage, former Group members are now in ACA plans, and when the Public Health Emergency ends, it’s likely that millions more former Medicaid consumers will find themselves in ACA coverage. With many signs pointing to a more stable (and larger) ACA market for the foreseeable future, now is the time for carriers to understand the design nuances that may appeal to different groups of consumers.
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