How many people are enrolled in ACA marketplace plans?

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Over 24 million workers with access to employer coverage declined enrollment in 2025 because premiums exceeded 9.5% of household income, per Census Bureau surveys. Many bought marketplace plans instead, where subsidies cap premiums at 8.5% of income for families earning under $100,000. Employers don't face penalties if workers drop coverage—the ACA's affordability test only looks at single coverage cost, ignoring family premiums that average $7,739/year in worker contributions.

How many people are enrolled in ACA marketplace plans?

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