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The Affordable Care Act’s Insurance Marketplace Subsidies Were Associated with Reduced Financial Burden for US Adults (Health Affairs)

Publication Topics

Access to Health Care; Cost and Utilization Studies; Health Care Economics; Costs of Care for the Uninsured; Medicaid/Medi-Cal; Low-Income; Health Care Reform

Publication Type

Journal Article

Publication Date


Author 1

<a onclick="OpenPopUpPage('http:\u002f\\u002f_layouts\u002flistform.aspx?PageType=4\u0026ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}\u0026ID=1890\u0026RootFolder=*', RefreshPage); return false;" href=";ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&amp;ID=1890&amp;RootFolder=*">Charles Liu</a>

Author 2

<a onclick="OpenPopUpPage('http:\u002f\\u002f_layouts\u002flistform.aspx?PageType=4\u0026ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}\u0026ID=1666\u0026RootFolder=*', RefreshPage); return false;" href=";ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&amp;ID=1666&amp;RootFolder=*">Hiroshi Gotanda</a>

Author 3

<a onclick="OpenPopUpPage('http:\u002f\\u002f_layouts\u002flistform.aspx?PageType=4\u0026ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}\u0026ID=354\u0026RootFolder=*', RefreshPage); return false;" href=";ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&amp;ID=354&amp;RootFolder=*">Thomas Rice, PhD</a>

Author 4

<a onclick="OpenPopUpPage('http:\u002f\\u002f_layouts\u002flistform.aspx?PageType=4\u0026ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}\u0026ID=1593\u0026RootFolder=*', RefreshPage); return false;" href=";ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&amp;ID=1593&amp;RootFolder=*">Yusuke Tsugawa, MD, PhD, MPH</a>

Author 5

<a onclick="OpenPopUpPage('http:\u002f\\u002f_layouts\u002flistform.aspx?PageType=4\u0026ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}\u0026ID=151\u0026RootFolder=*', RefreshPage); return false;" href=";ListId={7AAD61FA-4BCB-48C0-B0B7-87AFDC3673EF}&amp;ID=151&amp;RootFolder=*">et al</a>

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Summary: Research suggests that the Affordable Care Act (ACA) Medicaid expansions improved financial protection for the poor. However, evidence is limited on whether subsidies offered through the ACA Marketplaces, the law’s other major coverage expansion, were associated with reduced financial burden. Using national survey data from the period 2008–2017, authors examined changes in household health care spending among low-income adults eligible for both Marketplace premium subsidies and cost-sharing reductions (139%–250% of the federal poverty level) and middle-income adults eligible only for premium subsidies (251%–400% of the federal poverty level), using high-income adults ineligible for subsidies (greater than 400% of the federal poverty level) as controls. 

Findings: Among low-income adults, Marketplace subsidy implementation was associated with 17% lower out-of-pocket spending and 30% lower probability of catastrophic health expenditures. In contrast, middle-income adults did not experience reduced financial burden by either measure. These findings highlight the successes and limitations of Marketplace subsidies as debate continues over the ACA’s future.


Article 1

Journal Article: The Affordable Care Act’s Insurance Marketplace Subsidies Were Associated with Reduced Financial Burden for US Adults

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Press Release

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Version: 4.0
Created at 4/16/2021 5:19 AM by i:0#.f|uclachissqlmembershipprovider|celeste
Last modified at 5/3/2021 4:03 PM by i:0#.f|uclachissqlmembershipprovider|venetia