U.S. average monthly premiums under the Affordable Care Act, 2021-2023

Healthcare premiums under the Affordable Care Act (ACA) have fallen for all consumers nationally in 2023 when compared with the previous two years. This is due to a system of tax credits provided by the American Rescue Plan and the Inflation Reduction Act passed by the United States Congress. After these tax credits, the average person with ACA coverage pays an average monthly premium of 129 U.S. dollars, down from 164 U.S. dollars in 2021. A report from the U.S. Centers for Medicare & Medicaid Services estimates that due to the tax credits, consumers nationally on average save over 800 U.S. dollars per year in premiums.

The ACA created a federally run healthcare exchange which is used by 33 states as of 2023. States can also decide to run their own exchange - due to politics or practicality - of which there are 17 plus the District of Columbia.