Premiums for individual coverage dropped more than 3% on average across the U.S.
temporarily for 2021 and 2022 for low- and middle-income individuals and families to purchase health coverage on the ACA Marketplaces.”
“Due to this year’s American Rescue Plan Act, people with incomes up to 150% are eligible for a silver-level plans without a monthly premium and with additional cost-sharing subsidies to lower their deductibles and other out-of-pocket expenses,”“In two-thirds of counties nationwide, tax credits also would cover the full premium for the lowest-cost silver plan for a 40-year-old earning $20,000 a year .
There’s also been an influx of competition to the marketplace that has impacted premiums. Companies like Centene, Cigna, Oscar Health and Blue Cross and Blue Shield plans that have long offered individual coverage under the ACA have expanded into new markets while some companies like UnitedHealth Group’s UnitedHealthcare and the Aetna unit of CVS Health have returned to markets they left a few years ago.
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