Variation in Marketplace Enrollment Rates in 2015 by State and Income

Among Americans eligible for tax credits to offset the cost of health insurance premiums, those with the lowest incomes are most likely to purchase a health plan through HealthCare.gov or their state’s marketplace.

The Issue

The report highlights the wide state-by-state variation in enrollment rates and the percent of people eligible for tax credits by income level and their enrollment rate.

Key Findings

  • In total, the data show that nationally 24.1 million people are eligible for tax credits, and 8.6 million of them have signed up for a marketplace plan.

  • In states relying on HealthCare.gov, 62 percent of people eligible for tax credits with incomes below 200 percent of the federal poverty level (FPL) signed up for a plan through the marketplace in 2015.

  • 29 percent of people earning 200-300 percent below the FPL enrolled in marketplace plans.

  • 13 percent of those earning 300-400 percent below the FPL enrolled in marketplace plans.

Conclusion

Two additional reports explore the potential causes of variation in select states with high and low marketplace enrollment compared to projections.

About the Grantee

The nonprofit Urban Institute is dedicated to elevating the debate on social and economic policy. For nearly five decades, Urban scholars have conducted research and offered evidence-based solutions that improve lives and strengthen communities across a rapidly urbanizing world. Their objective research helps expand opportunities for all, reduce hardship among the most vulner­able, and strengthen the effectiveness of the public sector. Visit the Urban Institute’s Health Policy Center for more information specific to its staff and its recent research.