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7 in 10 call ACA plans affordable.
HealthCareInsider’s 2022 Open Enrollment Period Snapshot Survey shows over four in ten would go uninsured if the ACA marketplaces didn’t exist.
In fact, nearly half went without health insurance in the past year.
7 in 10 enrollees rate their new 2022 Affordable Care Act health insurance plan affordable.
The greatest number of 2022 enrollees say their premium will cost less than $50 each month after tax credits.
Scroll down for survey details.
Affordable Care Act Open Enrollment Period Snapshot Survey
Key Findings
44% of 2022 enrollees would go uninsured if the ACA marketplaces didn’t exist
45% of 2022 enrollees went without health insurance in the past 12 months
69% of enrollees rate their 2022 Affordable Care Act health insurance plan affordable
The greatest number of 2022 enrollees (25%) say their premium will cost less than $50 each month after tax credits
As the Affordable Care Act wraps up 2022 enrollment, more than four in 10 Americans who bought plans say they would go uninsured if the ACA marketplaces didn’t exist.
Nearly half of 2022 enrollees went without health insurance in the past 12 months.
But seven in 10 who purchased plans on the marketplaces this year rate them either somewhat or very affordable.
HealthCareInsider surveyed 1,008 U.S. adults who said they purchased a health insurance plan on the Affordable Care Act (Obamacare) federal or state marketplaces for 2022.
The government has reported signups at an all-time high of 13.6 million people.
Without the ACA Many Would Go Uninsured
Nearly half (44%) of ACA enrollees say they would go uninsured if the ACA marketplaces didn’t exist.
32% say they would stay insured and 23% say they are unsure.
The American Rescue and Recovery Plan’s expanded tax credits have lifted enrollment in plans sold on the federal and state exchanges.
HealthCareInsider asked enrollees what they would do for health insurance if the tax credits (subsidies) end as planned on December 31, 2022.
The greatest number (27%) say they will pay more for the same marketplace health insurance.
26% say they will look for a different marketplace plan, while 13% will choose a cheaper plan that offers less benefits and coverage.
Saving Money on 2022 Plans
Seven in ten (69%) rate their 2022 ACA health insurance plan affordable.
Nearly four in ten ACA enrollees (38%) call their 2022 health insurance plan very affordable and 31% rate them somewhat affordable.
Just over half (50%) of respondents re-enrolling in an ACA health insurance plan for 2022 say they saved money.
The 2022 Open Enrollment Period that ends January 15 was the second to feature expanded tax credits.
The greatest number of ACA enrollees (25%) say they will pay $50 or less each month for their 2022 premium after tax credits.
22% said they would pay between $100 to $200 per month, and 18% said their 2022 monthly premium would cost from $50 to $100.
The greatest number of ACA enrollees (16%) say they will receive $50-$100 in tax credits each month to help pay their 2022 premiums.
Lacking Insurance, Skipping Food and Healthcare
Many Americans who buy ACA plans experience insurance, food, and healthcare instability.
Nearly half (45%) of ACA enrollees went without health insurance for some time in the past 12 months.
Another third (33%) say they skipped paying for food (e.g., groceries) in order to afford health insurance.
Meanwhile, three-quarters (73%) skipped certain health services to afford healthcare.
The largest number say they skipped dental care (42%), followed by mental health care at 28% and laboratory and diagnostic care at 18%.
Methodology
HealthCareInsider conducted this survey from December 23-28, 2021 utilizing a SurveyMonkey Audience to poll a national sample of 1,008 U.S. adults aged 18+ who said they purchased a health insurance plan on the Affordable Care Act federal or state marketplaces for 2022. The modeled error estimate for this survey is plus or minus 3 percentage points. The sample was balanced for age, gender, and U.S. region according to the Census Bureau’s American Community Survey.
